The First State Bank: 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 Other borrowed money: 37.8% lower than in Q1 2026, at $5.8M. Within Texas, The First State Bank is 44th of 346 on loan-to-deposit ratio, 91.51% as of Q2 2026, above the middle of the field. The First State Bank reported 91.51% on loan-to-deposit ratio for Q2 2026, 10.67 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $19.2M |
| 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 | $1.3M |
| Other borrowed money | $5.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.51% |
| Net loans and leases to deposits | 90.36% |
| Loans and leases to core deposits | 112.43% |
| Core deposits to total deposits | 81.39% |
| 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 | 99.92% | 84.92% | $411K | $13.5M |
| Q4 2023 | 88.35% | 82.06% | $0 | $16.0M |
| Q1 2024 | 86.15% | 81.35% | $0 | $13.0M |
| Q2 2024 | 88.95% | 82.55% | $0 | $13.0M |
| Q3 2024 | 101.18% | 81.17% | $725K | $22.8M |
| Q4 2024 | 100.27% | 81.68% | $477K | $23.4M |
| Q1 2025 | 102.40% | 84.24% | $0 | $23.9M |
| Q2 2025 | 105.22% | 85.88% | $1.2M | $22.2M |
| Q3 2025 | 94.97% | 85.48% | $0 | $17.6M |
| Q4 2025 | 90.97% | 79.28% | $0 | $15.3M |
| Q1 2026 | 89.49% | 81.46% | $0 | $9.3M |
| Q2 2026 | 91.51% | 81.39% | $1.3M | $5.8M |
The First State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank, 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 The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11175) · FFIEC NIC profile (RSSD 305059)