First National Bank in Port Lavaca: 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.
Net loans and leases to deposits dropped 1.79 percentage points in Q2 2026, from 69.83% to 68.04%. It was the largest change from Q1 2026 among the key lines here. First National Bank in Port Lavaca ranks 195th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 68.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank in Port Lavaca sits 11.91 points lower, at 68.93% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $49.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $150.3M |
| Fed funds sold and reverse repos | $6.0M |
| Fed funds sold and reverse repos to assets | 1.66% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $28.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.93% |
| Net loans and leases to deposits | 68.04% |
| Loans and leases to core deposits | 74.28% |
| Core deposits to total deposits | 92.80% |
| 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 | 64.17% | 93.49% | $0 | $9.2M |
| Q4 2023 | 65.80% | 93.27% | $0 | $8.5M |
| Q1 2024 | 66.78% | 93.42% | $0 | $44.5M |
| Q2 2024 | 69.75% | 92.95% | $0 | $43.1M |
| Q3 2024 | 70.37% | 93.60% | $0 | $41.6M |
| Q4 2024 | 70.40% | 93.77% | $0 | $40.1M |
| Q1 2025 | 71.49% | 94.11% | $0 | $32.2M |
| Q2 2025 | 72.91% | 93.89% | $0 | $31.4M |
| Q3 2025 | 70.75% | 93.78% | $0 | $30.7M |
| Q4 2025 | 66.36% | 93.89% | $0 | $30.0M |
| Q1 2026 | 70.43% | 93.41% | $0 | $29.2M |
| Q2 2026 | 68.93% | 92.80% | $0 | $28.4M |
First National Bank in Port Lavaca 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 in Port Lavaca, 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 in Port Lavaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17811) · FFIEC NIC profile (RSSD 855264)