The First National Bank in Cooper: 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: 1.75 percentage points lower than in Q1 2026, at 62.78%. The First National Bank in Cooper ranks 242nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 61.00% (Q2 2026). The First National Bank in Cooper reported 61.00% on loan-to-deposit ratio for Q2 2026, 6.63 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.3M |
| Fed funds sold and reverse repos | $10.4M |
| Fed funds sold and reverse repos to assets | 18.09% |
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 | 61.00% |
| Net loans and leases to deposits | 60.51% |
| Loans and leases to core deposits | 62.78% |
| Core deposits to total deposits | 97.16% |
| 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 | 63.87% | 96.92% | $0 | $0 |
| Q4 2023 | 66.74% | 96.88% | $0 | $0 |
| Q1 2024 | 66.90% | 97.06% | $0 | $0 |
| Q2 2024 | 69.14% | 96.97% | $0 | $0 |
| Q3 2024 | 74.10% | 96.78% | $0 | $0 |
| Q4 2024 | 70.45% | 96.23% | $0 | $0 |
| Q1 2025 | 68.24% | 96.37% | $0 | $0 |
| Q2 2025 | 69.49% | 96.30% | $0 | $0 |
| Q3 2025 | 69.85% | 96.18% | $0 | $0 |
| Q4 2025 | 66.59% | 96.34% | $0 | $0 |
| Q1 2026 | 62.73% | 97.21% | $0 | $0 |
| Q2 2026 | 61.00% | 97.16% | $0 | $0 |
The First National Bank in Cooper liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Cooper, 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 The First National Bank in Cooper profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3149) · FFIEC NIC profile (RSSD 767152)