First National Bank and Trust: 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.
Loans and leases to core deposits climbed 5.35 percentage points in Q2 2026, from 78.59% to 83.94%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First National Bank and Trust is 48th of 93 on loan-to-deposit ratio, 68.72% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank and Trust sits 12.11 points lower, at 68.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.0M |
| Fed funds sold and reverse repos | $13.4M |
| Fed funds sold and reverse repos to assets | 5.61% |
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 | 68.72% |
| Net loans and leases to deposits | 67.75% |
| Loans and leases to core deposits | 83.94% |
| Core deposits to total deposits | 81.87% |
| 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 | 67.43% | 86.60% | $0 | $5.5M |
| Q4 2023 | 71.75% | 85.45% | $425K | $5.0M |
| Q1 2024 | 67.53% | 85.10% | $0 | $0 |
| Q2 2024 | 69.10% | 83.04% | $0 | $0 |
| Q3 2024 | 68.25% | 82.84% | $0 | $0 |
| Q4 2024 | 68.11% | 83.80% | $0 | $0 |
| Q1 2025 | 67.24% | 83.89% | $0 | $0 |
| Q2 2025 | 67.67% | 83.15% | $0 | $0 |
| Q3 2025 | 68.69% | 83.70% | $0 | $0 |
| Q4 2025 | 65.53% | 83.27% | $0 | $0 |
| Q1 2026 | 65.33% | 83.13% | $0 | $0 |
| Q2 2026 | 68.72% | 81.87% | $0 | $0 |
First National Bank and Trust 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 and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2779) · FFIEC NIC profile (RSSD 670430)