First Texas 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 dropped 7.6% in Q2 2026, from $123.8M to $114.4M. It was the largest change from Q1 2026 among the key lines here. Within Texas, First Texas Bank is 277th of 346 on loan-to-deposit ratio, 49.45% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Texas Bank sits 38.75 points lower, at 49.45% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $114.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $699.9M |
| 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 | 49.45% |
| Net loans and leases to deposits | 49.21% |
| Loans and leases to core deposits | 53.06% |
| Core deposits to total deposits | 93.19% |
| 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 | 40.81% | 98.81% | $25.0M | $0 |
| Q4 2023 | 41.30% | 97.74% | $10.0M | $0 |
| Q1 2024 | 41.92% | 95.57% | $35.0M | $0 |
| Q2 2024 | 41.22% | 93.32% | $0 | $0 |
| Q3 2024 | 42.49% | 92.33% | $0 | $0 |
| Q4 2024 | 45.70% | 92.90% | $0 | $0 |
| Q1 2025 | 45.37% | 92.68% | $0 | $0 |
| Q2 2025 | 47.10% | 92.19% | $0 | $0 |
| Q3 2025 | 48.38% | 92.72% | $0 | $0 |
| Q4 2025 | 51.35% | 92.76% | $0 | $0 |
| Q1 2026 | 49.71% | 92.99% | $0 | $0 |
| Q2 2026 | 49.45% | 93.19% | $0 | $0 |
First Texas Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texas 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 First Texas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11935) · FFIEC NIC profile (RSSD 444350)