First Lockhart 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: 2.52 percentage points higher than in Q1 2026, at 94.22%. First Lockhart Bank ranks 103rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 83.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Lockhart Bank sits 3.16 points higher, at 83.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $64.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.8M |
| 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 | 83.71% |
| Net loans and leases to deposits | 82.86% |
| Loans and leases to core deposits | 94.22% |
| Core deposits to total deposits | 88.85% |
| 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 | 78.18% | 91.55% | $0 | $0 |
| Q4 2023 | 77.82% | 91.02% | $0 | $0 |
| Q1 2024 | 80.88% | 92.03% | $0 | $0 |
| Q2 2024 | 78.95% | 91.77% | $0 | $0 |
| Q3 2024 | 80.83% | 92.38% | $0 | $0 |
| Q4 2024 | 73.90% | 93.75% | $0 | $0 |
| Q1 2025 | 78.19% | 93.51% | $0 | $0 |
| Q2 2025 | 82.69% | 94.39% | $0 | $0 |
| Q3 2025 | 84.36% | 94.12% | $0 | $0 |
| Q4 2025 | 84.64% | 91.96% | $0 | $0 |
| Q1 2026 | 82.62% | 90.11% | $0 | $0 |
| Q2 2026 | 83.71% | 88.85% | $0 | $0 |
First Lockhart Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Lockhart 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 Lockhart Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13599) · FFIEC NIC profile (RSSD 631150)