First State Bank of Uvalde: 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 Loans and leases to core deposits: 5.49 percentage points higher than in Q1 2026, at 70.87%. First State Bank of Uvalde ranks 284th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 45.90% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First State Bank of Uvalde sits 42.30 points lower, at 45.90% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $355.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $969.8M |
| 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 | 45.90% |
| Net loans and leases to deposits | 45.17% |
| Loans and leases to core deposits | 70.87% |
| Core deposits to total deposits | 64.76% |
| 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 | 37.33% | 59.38% | $0 | $0 |
| Q4 2023 | 37.77% | 60.91% | $0 | $0 |
| Q1 2024 | 38.53% | 54.29% | $0 | $0 |
| Q2 2024 | 39.24% | 56.82% | $0 | $0 |
| Q3 2024 | 40.74% | 54.26% | $0 | $0 |
| Q4 2024 | 43.08% | 52.21% | $0 | $0 |
| Q1 2025 | 43.63% | 54.17% | $0 | $0 |
| Q2 2025 | 42.61% | 65.44% | $0 | $0 |
| Q3 2025 | 43.48% | 64.53% | $0 | $0 |
| Q4 2025 | 42.88% | 67.89% | $0 | $0 |
| Q1 2026 | 43.75% | 66.92% | $0 | $0 |
| Q2 2026 | 45.90% | 64.76% | $0 | $0 |
First State Bank of Uvalde 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 Uvalde, 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 Uvalde profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9978) · FFIEC NIC profile (RSSD 273662)