The Big Bend Banks, N.A. dba Marfa National 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 15.8% in Q3 2026, from $19.0M to $16.0M. It was the largest change from Q2 2026 among the key lines here. The Big Bend Banks, N.A. dba Marfa National Bank has the 6th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 15.20% as of Q3 2026. The Big Bend Banks, N.A. dba Marfa National Bank's loan-to-deposit ratio of 15.20% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 65.64 points (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 15.20% |
| Net loans and leases to deposits | 14.78% |
| Loans and leases to core deposits | 15.74% |
| Core deposits to total deposits | 96.53% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 16.02% | 95.83% | $0 | $0 |
| Q1 2024 | 16.40% | 95.70% | $0 | $0 |
| Q2 2024 | 16.20% | 95.79% | $0 | $0 |
| Q3 2024 | 16.62% | 93.77% | $0 | $0 |
| Q4 2024 | 15.41% | 93.77% | $0 | $0 |
| Q1 2025 | 15.05% | 93.85% | $0 | $0 |
| Q2 2025 | 14.23% | 93.94% | $0 | $0 |
| Q3 2025 | 14.81% | 94.35% | $0 | $0 |
| Q4 2025 | 14.59% | 95.51% | $0 | $0 |
| Q1 2026 | 15.00% | 96.86% | $0 | $0 |
| Q2 2026 | 15.39% | 96.55% | $0 | $0 |
| Q3 2026 | 15.20% | 96.53% | $0 | $0 |
The Big Bend Banks, N.A. dba Marfa National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Big Bend Banks, N.A. dba Marfa National 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 The Big Bend Banks, N.A. dba Marfa National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3320) · FFIEC NIC profile (RSSD 362856)