First American 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 Loans and leases to core deposits: 3.78 percentage points higher than in Q1 2026, at 74.76%. Within New Mexico, First American Bank is 9th of 29 on loan-to-deposit ratio, 71.67% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First American Bank sits 16.54 points lower, at 71.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $105.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $669.9M |
| 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 | $66.4M |
| Other borrowed money | $146K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.67% |
| Net loans and leases to deposits | 70.30% |
| Loans and leases to core deposits | 74.76% |
| Core deposits to total deposits | 92.18% |
| Brokered deposits to total deposits | 3.67% |
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 | 64.36% | 89.70% | $64.2M | $100.0M |
| Q4 2023 | 62.67% | 84.36% | $63.4M | $55.7M |
| Q1 2024 | 61.25% | 89.72% | $60.5M | $40.7M |
| Q2 2024 | 62.76% | 88.62% | $53.1M | $10.7M |
| Q3 2024 | 66.15% | 89.33% | $59.0M | $30.7M |
| Q4 2024 | 66.32% | 87.34% | $59.6M | $658K |
| Q1 2025 | 62.05% | 88.81% | $50.9M | $15.3M |
| Q2 2025 | 68.11% | 91.41% | $58.3M | $15.3M |
| Q3 2025 | 69.28% | 91.47% | $58.0M | $262K |
| Q4 2025 | 69.12% | 91.38% | $52.1M | $224K |
| Q1 2026 | 68.58% | 93.15% | $53.9M | $185K |
| Q2 2026 | 71.67% | 92.18% | $66.4M | $146K |
First American Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2240) · FFIEC NIC profile (RSSD 771458)