Fannin 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 Fed funds sold and reverse repos: 170.1% higher than in Q1 2026, at $4.3M. Within Texas, Fannin Bank is 259th of 346 on loan-to-deposit ratio, 56.18% as of Q2 2026. Fannin Bank reported 56.18% on loan-to-deposit ratio for Q2 2026, 24.37 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.8M |
| Fed funds sold and reverse repos | $4.3M |
| Fed funds sold and reverse repos to assets | 2.68% |
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 | 56.18% |
| Net loans and leases to deposits | 55.22% |
| Loans and leases to core deposits | 62.48% |
| Core deposits to total deposits | 89.92% |
| 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 | 61.42% | 91.93% | $0 | $5.5M |
| Q4 2023 | 60.27% | 90.36% | $0 | $3.0M |
| Q1 2024 | 61.22% | 87.75% | $0 | $0 |
| Q2 2024 | 62.06% | 88.62% | $0 | $0 |
| Q3 2024 | 61.99% | 89.64% | $0 | $0 |
| Q4 2024 | 60.79% | 89.81% | $0 | $0 |
| Q1 2025 | 58.84% | 91.10% | $0 | $0 |
| Q2 2025 | 57.73% | 88.82% | $0 | $0 |
| Q3 2025 | 57.59% | 86.56% | $0 | $500K |
| Q4 2025 | 56.98% | 87.28% | $0 | $0 |
| Q1 2026 | 58.44% | 88.81% | $0 | $0 |
| Q2 2026 | 56.18% | 89.92% | $0 | $0 |
Fannin Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fannin 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 Fannin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5589) · FFIEC NIC profile (RSSD 377663)