Texas First Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Texas First Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $74.0M in Q3 2026, down 20.2% from $92.7M in Q3 2025. That is 3.2% of its total assets. Across the 12 quarters shown it ranged from $74.0M (Q3 2026) to $212.5M (Q1 2025).
The standout move of Q3 2026 was in Cash and balances due from depository institutions: 20.7% lower than in Q2 2026, at $74.0M. Texas First Bank ranks 209th of 345 Texas banks on loan-to-deposit ratio, in the lower half at 66.94% (Q3 2026). The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio. Texas First Bank sits 21.19 points lower, at 66.94% (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $74.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $861.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Other borrowed money to assets moved most in this table, up 0.03 points: 1.94% in Q2 2026, 1.97% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $45.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.97% |
| Trading liabilities | $0 |
Funding structure
Largest change in this table: loans and leases to core deposits, up 1.98 points to 71.34% in Q3 2026 after 69.36% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 66.94% |
| Net loans and leases to deposits | 66.09% |
| Loans and leases to core deposits | 71.34% |
| Core deposits to total deposits | 93.84% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 62.63% | 92.97% | $0 | $121.5M |
| Q1 2024 | 63.80% | 92.51% | $0 | $104.9M |
| Q2 2024 | 65.38% | 94.05% | $0 | $100.5M |
| Q3 2024 | 63.75% | 92.30% | $0 | $69.3M |
| Q4 2024 | 61.01% | 92.21% | $0 | $50.6M |
| Q1 2025 | 60.40% | 92.82% | $0 | $50.6M |
| Q2 2025 | 60.26% | 93.33% | $0 | $48.8M |
| Q3 2025 | 65.90% | 93.69% | $0 | $48.8M |
| Q4 2025 | 63.06% | 93.81% | $0 | $46.5M |
| Q1 2026 | 63.86% | 93.62% | $0 | $46.5M |
| Q2 2026 | 65.15% | 93.93% | $0 | $45.4M |
| Q3 2026 | 66.94% | 93.84% | $0 | $45.4M |
Texas First Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Texas First Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23799) · FFIEC NIC profile (RSSD 473266)