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.
Cash and balances due from depository institutions climbed 10.5% in Q2 2026, from $58.2M to $64.3M. It was the largest change from Q1 2026 among the key lines here. The First State Bank ranks 124th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 80.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The First State Bank reported 80.84% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $64.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $211.9M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.13% |
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 | 80.84% |
| Net loans and leases to deposits | 79.80% |
| Loans and leases to core deposits | 87.12% |
| Core deposits to total deposits | 92.79% |
| 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 | 73.86% | 96.68% | $0 | $0 |
| Q4 2023 | 73.86% | 96.26% | $0 | $0 |
| Q1 2024 | 75.75% | 96.31% | $0 | $0 |
| Q2 2024 | 78.37% | 94.58% | $0 | $0 |
| Q3 2024 | 74.62% | 94.53% | $0 | $0 |
| Q4 2024 | 74.32% | 94.41% | $0 | $0 |
| Q1 2025 | 75.97% | 94.43% | $0 | $0 |
| Q2 2025 | 81.60% | 93.92% | $0 | $0 |
| Q3 2025 | 81.51% | 92.70% | $0 | $0 |
| Q4 2025 | 79.79% | 92.68% | $0 | $0 |
| Q1 2026 | 80.46% | 93.02% | $0 | $0 |
| Q2 2026 | 80.84% | 92.79% | $0 | $0 |
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 17588) · FFIEC NIC profile (RSSD 888552)