First State Bank of Texas: 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: 38.1% higher than in Q1 2026, at $25.8M. First State Bank of Texas ranks 117th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 82.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First State Bank of Texas reported 82.03% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $76.8M |
| 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 | 82.03% |
| Net loans and leases to deposits | 81.12% |
| Loans and leases to core deposits | 90.83% |
| Core deposits to total deposits | 90.32% |
| 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 | 74.81% | 92.85% | $0 | $0 |
| Q4 2023 | 75.85% | 93.03% | $0 | $13.0M |
| Q1 2024 | 75.06% | 93.36% | $0 | $12.0M |
| Q2 2024 | 81.75% | 92.97% | $0 | $8.0M |
| Q3 2024 | 75.42% | 90.42% | $0 | $0 |
| Q4 2024 | 69.88% | 88.53% | $0 | $0 |
| Q1 2025 | 69.27% | 88.55% | $0 | $0 |
| Q2 2025 | 67.22% | 88.67% | $0 | $0 |
| Q3 2025 | 74.70% | 88.22% | $0 | $0 |
| Q4 2025 | 79.16% | 88.32% | $0 | $0 |
| Q1 2026 | 83.12% | 89.41% | $0 | $0 |
| Q2 2026 | 82.03% | 90.32% | $0 | $0 |
First State Bank of Texas 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 Texas, 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11922) · FFIEC NIC profile (RSSD 190563)