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 Brokered deposits to total deposits: 2.30 percentage points lower than in Q1 2026, at 0.00%. Within New Mexico, First National Bank is 22nd of 29 on loan-to-deposit ratio, 51.62% as of Q2 2026, below the middle of the field. First National Bank reported 51.62% on loan-to-deposit ratio for Q2 2026, 29.22 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $218.0M |
| 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 | $242K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.62% |
| Net loans and leases to deposits | 50.68% |
| Loans and leases to core deposits | 56.17% |
| Core deposits to total deposits | 91.90% |
| 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 | 48.45% | 94.13% | $0 | $24.0M |
| Q4 2023 | 46.57% | 93.38% | $0 | $24.0M |
| Q1 2024 | 50.18% | 92.68% | $0 | $24.0M |
| Q2 2024 | 46.63% | 88.60% | $0 | $0 |
| Q3 2024 | 45.17% | 88.60% | $0 | $0 |
| Q4 2024 | 46.37% | 91.23% | $0 | $341K |
| Q1 2025 | 48.06% | 90.37% | $0 | $325K |
| Q2 2025 | 49.14% | 90.18% | $0 | $308K |
| Q3 2025 | 49.99% | 89.45% | $0 | $292K |
| Q4 2025 | 50.11% | 89.46% | $0 | $276K |
| Q1 2026 | 50.30% | 89.90% | $0 | $259K |
| Q2 2026 | 51.62% | 91.90% | $0 | $242K |
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 17643) · FFIEC NIC profile (RSSD 823450)