First National Bank, Cortez: 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.
Fed funds sold and reverse repos climbed 62.0% in Q2 2026, from $5.4M to $8.7M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, First National Bank, Cortez is 41st of 63 on loan-to-deposit ratio, 74.54% as of Q2 2026, below the middle of the field. First National Bank, Cortez reported 74.54% on loan-to-deposit ratio for Q2 2026, 6.30 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 | $11.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.3M |
| Fed funds sold and reverse repos | $8.7M |
| Fed funds sold and reverse repos to assets | 5.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.54% |
| Net loans and leases to deposits | 73.59% |
| Loans and leases to core deposits | 82.02% |
| Core deposits to total deposits | 90.88% |
| 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 | 70.69% | 94.95% | $0 | $8.0M |
| Q4 2023 | 78.77% | 93.83% | $0 | $13.0M |
| Q1 2024 | 77.09% | 93.67% | $0 | $16.0M |
| Q2 2024 | 75.64% | 94.22% | $0 | $14.0M |
| Q3 2024 | 74.18% | 93.33% | $0 | $12.5M |
| Q4 2024 | 75.72% | 92.30% | $0 | $7.0M |
| Q1 2025 | 74.61% | 92.57% | $0 | $5.5M |
| Q2 2025 | 72.46% | 92.59% | $0 | $5.5M |
| Q3 2025 | 72.16% | 91.67% | $0 | $5.5M |
| Q4 2025 | 74.08% | 91.03% | $0 | $4.0M |
| Q1 2026 | 72.80% | 90.82% | $0 | $4.0M |
| Q2 2026 | 74.54% | 90.88% | $0 | $4.0M |
First National Bank, Cortez 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, Cortez, 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, Cortez profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17872) · FFIEC NIC profile (RSSD 968155)