The First National Bank in Falfurrias: 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.
Cash and balances due from depository institutions dropped 22.7% in Q2 2026, from $33.4M to $25.8M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank in Falfurrias is 26th from the bottom among 346 Texas banks, 30.26% (Q2 2026). The First National Bank in Falfurrias's loan-to-deposit ratio of 30.26% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 37.36 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.1M |
| 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 | $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 | 30.26% |
| Net loans and leases to deposits | 29.70% |
| Loans and leases to core deposits | 31.35% |
| Core deposits to total deposits | 96.53% |
| 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 | 51.54% | 91.90% | $0 | $0 |
| Q4 2023 | 51.38% | 91.38% | $0 | $0 |
| Q1 2024 | 46.83% | 91.68% | $0 | $0 |
| Q2 2024 | 45.06% | 93.72% | $0 | $0 |
| Q3 2024 | 41.14% | 95.45% | $0 | $0 |
| Q4 2024 | 34.47% | 94.89% | $0 | $0 |
| Q1 2025 | 30.40% | 95.16% | $0 | $0 |
| Q2 2025 | 32.59% | 94.83% | $0 | $0 |
| Q3 2025 | 32.54% | 96.36% | $0 | $0 |
| Q4 2025 | 27.82% | 96.94% | $0 | $0 |
| Q1 2026 | 28.44% | 96.06% | $0 | $0 |
| Q2 2026 | 30.26% | 96.53% | $0 | $0 |
The First National Bank in Falfurrias 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 Falfurrias, 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 Falfurrias profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14095) · FFIEC NIC profile (RSSD 442655)