The Falls City 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.
The biggest quarter-over-quarter change on this page was a small one: Net loans and leases to deposits edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 27.30%. On loan-to-deposit ratio, The Falls City National Bank is 20th from the bottom among 346 Texas banks, 27.64% (Q2 2026). The Falls City National Bank's loan-to-deposit ratio of 27.64% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 53.20 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $156.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $457.7M |
| 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 | 27.64% |
| Net loans and leases to deposits | 27.30% |
| Loans and leases to core deposits | 33.27% |
| Core deposits to total deposits | 83.07% |
| 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 | 30.39% | 88.97% | $0 | $0 |
| Q4 2023 | 28.89% | 88.76% | $0 | $0 |
| Q1 2024 | 30.28% | 88.15% | $0 | $0 |
| Q2 2024 | 31.76% | 87.81% | $0 | $0 |
| Q3 2024 | 32.91% | 85.73% | $0 | $0 |
| Q4 2024 | 28.72% | 86.17% | $0 | $0 |
| Q1 2025 | 27.85% | 85.53% | $0 | $0 |
| Q2 2025 | 29.16% | 83.99% | $0 | $0 |
| Q3 2025 | 29.06% | 83.77% | $0 | $0 |
| Q4 2025 | 28.05% | 83.42% | $0 | $0 |
| Q1 2026 | 27.55% | 83.04% | $0 | $0 |
| Q2 2026 | 27.64% | 83.07% | $0 | $0 |
The Falls City 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 Falls City 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 Falls City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3193) · FFIEC NIC profile (RSSD 441050)