FirstBank Southwest: 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.
Other borrowed money dropped 50.0% in Q2 2026, from $10.0M to $5.0M. It was the largest change from Q1 2026 among the key lines here. FirstBank Southwest ranks 133rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 78.94% (Q2 2026). FirstBank Southwest reported 78.94% on loan-to-deposit ratio for Q2 2026, 9.26 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 | $249.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $494.0M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 0.19% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.94% |
| Net loans and leases to deposits | 78.01% |
| Loans and leases to core deposits | 93.59% |
| Core deposits to total deposits | 84.34% |
| 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 | 87.31% | 81.88% | $0 | $180.0M |
| Q4 2023 | 81.89% | 76.15% | $0 | $50.0M |
| Q1 2024 | 82.26% | 75.18% | $0 | $55.0M |
| Q2 2024 | 88.41% | 74.46% | $0 | $85.0M |
| Q3 2024 | 83.51% | 74.04% | $0 | $75.0M |
| Q4 2024 | 83.72% | 76.46% | $0 | $70.0M |
| Q1 2025 | 82.05% | 74.90% | $0 | $70.0M |
| Q2 2025 | 81.45% | 76.06% | $0 | $35.0M |
| Q3 2025 | 80.40% | 80.85% | $0 | $20.0M |
| Q4 2025 | 82.17% | 84.29% | $0 | $15.0M |
| Q1 2026 | 82.25% | 84.64% | $0 | $10.0M |
| Q2 2026 | 78.94% | 84.34% | $0 | $5.0M |
FirstBank Southwest liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank Southwest, 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 FirstBank Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3387) · FFIEC NIC profile (RSSD 840363)