First 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 standout move of Q2 2026 was in Loan-to-deposit ratio: 3.17 percentage points higher than in Q1 2026, at 44.81%. Within Texas, First National Bank is 287th of 346 on loan-to-deposit ratio, 44.81% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First National Bank sits 22.81 points lower, at 44.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.7M |
| Fed funds sold and reverse repos | $10.0M |
| Fed funds sold and reverse repos to assets | 10.37% |
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 | 44.81% |
| Net loans and leases to deposits | 43.78% |
| Loans and leases to core deposits | 49.67% |
| Core deposits to total deposits | 90.22% |
| 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 | 37.96% | 94.41% | $471K | $10.7M |
| Q4 2023 | 39.44% | 92.39% | $0 | $10.7M |
| Q1 2024 | 40.47% | 94.72% | $0 | $0 |
| Q2 2024 | 44.88% | 93.74% | $0 | $0 |
| Q3 2024 | 44.12% | 92.11% | $360K | $0 |
| Q4 2024 | 48.23% | 86.03% | $2.0M | $0 |
| Q1 2025 | 42.53% | 88.04% | $0 | $0 |
| Q2 2025 | 42.51% | 92.82% | $0 | $0 |
| Q3 2025 | 41.93% | 86.19% | $0 | $0 |
| Q4 2025 | 46.89% | 85.70% | $0 | $0 |
| Q1 2026 | 41.64% | 87.38% | $0 | $0 |
| Q2 2026 | 44.81% | 90.22% | $0 | $0 |
First National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34455) · FFIEC NIC profile (RSSD 2490285)