First State Bank of San Diego: 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: 28.6% lower than in Q1 2026, at $13.0M. On loan-to-deposit ratio, First State Bank of San Diego is 16th from the bottom among 346 Texas banks, 24.52% (Q2 2026). First State Bank of San Diego's loan-to-deposit ratio of 24.52% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 43.11 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.7M |
| 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 | 24.52% |
| Net loans and leases to deposits | 24.06% |
| Loans and leases to core deposits | 25.91% |
| Core deposits to total deposits | 94.63% |
| 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 | 30.03% | 95.14% | $0 | $0 |
| Q4 2023 | 29.80% | 96.11% | $0 | $0 |
| Q1 2024 | 29.15% | 97.49% | $0 | $0 |
| Q2 2024 | 30.57% | 97.33% | $0 | $0 |
| Q3 2024 | 30.62% | 97.25% | $0 | $0 |
| Q4 2024 | 28.13% | 96.88% | $0 | $0 |
| Q1 2025 | 27.45% | 95.63% | $0 | $0 |
| Q2 2025 | 28.07% | 95.89% | $0 | $0 |
| Q3 2025 | 31.40% | 95.39% | $0 | $0 |
| Q4 2025 | 25.97% | 95.65% | $0 | $0 |
| Q1 2026 | 25.21% | 95.39% | $0 | $0 |
| Q2 2026 | 24.52% | 94.63% | $0 | $0 |
First State Bank of San Diego 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 San Diego, 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 San Diego profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17350) · FFIEC NIC profile (RSSD 578862)