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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 17.4% higher than in Q1 2026, at $36.4M. First Texas Bank ranks 302nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 40.04% (Q2 2026). Against a median of 80.55% for banks in the $100M-1B asset tier, First Texas Bank reported 40.04% on loan-to-deposit ratio in Q2 2026, 40.51 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $160.9M |
| 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 | 40.04% |
| Net loans and leases to deposits | 39.86% |
| Loans and leases to core deposits | 46.77% |
| Core deposits to total deposits | 85.61% |
| 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 | 46.44% | 95.65% | $0 | $0 |
| Q4 2023 | 46.27% | 93.60% | $0 | $0 |
| Q1 2024 | 48.46% | 89.99% | $0 | $0 |
| Q2 2024 | 46.83% | 87.74% | $0 | $0 |
| Q3 2024 | 46.82% | 87.13% | $0 | $0 |
| Q4 2024 | 41.04% | 86.06% | $0 | $0 |
| Q1 2025 | 42.62% | 85.87% | $0 | $0 |
| Q2 2025 | 40.81% | 86.36% | $0 | $0 |
| Q3 2025 | 40.66% | 86.76% | $0 | $0 |
| Q4 2025 | 42.11% | 86.74% | $0 | $0 |
| Q1 2026 | 39.18% | 86.47% | $0 | $0 |
| Q2 2026 | 40.04% | 85.61% | $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 3293) · FFIEC NIC profile (RSSD 875758)