First United 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: 45.8% lower than in Q1 2026, at $53.2M. Within Texas, First United Bank is 187th of 346 on loan-to-deposit ratio, 70.78% as of Q2 2026, below the middle of the field. First United Bank reported 70.78% on loan-to-deposit ratio for Q2 2026, 17.43 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $53.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $813.7M |
| 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 | 70.78% |
| Net loans and leases to deposits | 69.82% |
| Loans and leases to core deposits | 82.94% |
| Core deposits to total deposits | 85.34% |
| 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 | 75.36% | 88.69% | $0 | $202.0M |
| Q4 2023 | 74.63% | 89.40% | $0 | $175.0M |
| Q1 2024 | 74.73% | 87.10% | $13.2M | $115.0M |
| Q2 2024 | 79.97% | 86.25% | $2.8M | $210.0M |
| Q3 2024 | 78.53% | 86.46% | $0 | $170.0M |
| Q4 2024 | 76.81% | 85.78% | $0 | $110.0M |
| Q1 2025 | 67.63% | 85.35% | $0 | $0 |
| Q2 2025 | 69.42% | 85.23% | $0 | $10.0M |
| Q3 2025 | 70.70% | 85.68% | $0 | $25.0M |
| Q4 2025 | 68.59% | 85.54% | $0 | $0 |
| Q1 2026 | 68.16% | 85.65% | $0 | $0 |
| Q2 2026 | 70.78% | 85.34% | $0 | $0 |
First United Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12769) · FFIEC NIC profile (RSSD 578255)