First State Bank of Livingston: 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 48.2% lower than in Q1 2026, at $38.4M. Within Texas, First State Bank of Livingston is 310th of 346 on loan-to-deposit ratio, 36.29% as of Q2 2026, below the middle of the field. First State Bank of Livingston's loan-to-deposit ratio of 36.29% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 44.54 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $445.7M |
| 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 | 36.29% |
| Net loans and leases to deposits | 35.85% |
| Loans and leases to core deposits | 37.10% |
| Core deposits to total deposits | 97.82% |
| 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 | 39.16% | 95.56% | $0 | $0 |
| Q4 2023 | 34.47% | 96.45% | $0 | $0 |
| Q1 2024 | 32.27% | 96.88% | $0 | $0 |
| Q2 2024 | 34.42% | 96.88% | $0 | $0 |
| Q3 2024 | 36.07% | 96.55% | $0 | $0 |
| Q4 2024 | 35.22% | 98.08% | $0 | $0 |
| Q1 2025 | 34.82% | 98.17% | $0 | $0 |
| Q2 2025 | 36.86% | 97.90% | $0 | $0 |
| Q3 2025 | 36.54% | 97.76% | $0 | $0 |
| Q4 2025 | 35.79% | 97.84% | $0 | $0 |
| Q1 2026 | 34.45% | 98.01% | $0 | $0 |
| Q2 2026 | 36.29% | 97.82% | $0 | $0 |
First State Bank of Livingston 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 Livingston, 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 Livingston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15898) · FFIEC NIC profile (RSSD 884358)