First State Bank of Burnet: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 37.7% in Q2 2026, from $22.5M to $14.0M. It was the largest change from Q1 2026 among the key lines here. First State Bank of Burnet ranks 237th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 62.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Burnet sits 18.63 points lower, at 62.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $141.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.21% |
| Net loans and leases to deposits | 61.66% |
| Loans and leases to core deposits | 68.74% |
| Core deposits to total deposits | 90.50% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 43.00% | 95.96% | $0 | $0 |
| Q4 2023 | 40.70% | 95.21% | $0 | $0 |
| Q1 2024 | 40.90% | 94.12% | $0 | $0 |
| Q2 2024 | 44.36% | 93.93% | $0 | $0 |
| Q3 2024 | 47.58% | 92.88% | $0 | $0 |
| Q4 2024 | 50.91% | 92.78% | $0 | $0 |
| Q1 2025 | 48.81% | 92.55% | $0 | $0 |
| Q2 2025 | 52.60% | 91.49% | $0 | $0 |
| Q3 2025 | 58.34% | 90.68% | $0 | $0 |
| Q4 2025 | 63.62% | 91.10% | $0 | $4.9M |
| Q1 2026 | 62.83% | 90.80% | $0 | $0 |
| Q2 2026 | 62.21% | 90.50% | $0 | $0 |
First State Bank of Burnet liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Burnet, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank of Burnet profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11557) · FFIEC NIC profile (RSSD 303653)