First National Bank in Trinidad: 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 Cash and balances due from depository institutions: 39.7% lower than in Q1 2026, at $9.6M. First National Bank in Trinidad ranks 54th of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 60.08% (Q2 2026). First National Bank in Trinidad reported 60.08% on loan-to-deposit ratio for Q2 2026, 20.86 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $91.8M |
| 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 | 60.08% |
| Net loans and leases to deposits | 59.16% |
| Loans and leases to core deposits | 60.43% |
| Core deposits to total deposits | 99.42% |
| 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 | 49.24% | 98.98% | $0 | $28.0M |
| Q4 2023 | 55.08% | 98.96% | $0 | $45.0M |
| Q1 2024 | 59.22% | 98.92% | $0 | $22.5M |
| Q2 2024 | 58.67% | 98.93% | $0 | $10.0M |
| Q3 2024 | 59.01% | 98.93% | $0 | $8.0M |
| Q4 2024 | 58.97% | 98.94% | $0 | $8.0M |
| Q1 2025 | 57.00% | 98.98% | $0 | $0 |
| Q2 2025 | 57.43% | 99.47% | $0 | $0 |
| Q3 2025 | 60.28% | 99.45% | $0 | $0 |
| Q4 2025 | 58.92% | 99.44% | $0 | $0 |
| Q1 2026 | 58.04% | 99.44% | $0 | $0 |
| Q2 2026 | 60.08% | 99.42% | $0 | $0 |
First National Bank in Trinidad 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 Trinidad, 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 Trinidad profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14584) · FFIEC NIC profile (RSSD 474058)