The First National Bank of Anderson: 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 Fed funds sold and reverse repos: 32.4% lower than in Q1 2026, at $4.1M. Within Texas, The First National Bank of Anderson is 188th of 346 on loan-to-deposit ratio, 70.23% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Anderson sits 10.61 points lower, at 70.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.1M |
| Fed funds sold and reverse repos | $4.1M |
| Fed funds sold and reverse repos to assets | 1.79% |
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 | 70.23% |
| Net loans and leases to deposits | 69.23% |
| Loans and leases to core deposits | 78.00% |
| Core deposits to total deposits | 90.04% |
| 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 | 73.68% | 91.42% | $0 | $0 |
| Q4 2023 | 70.48% | 91.62% | $0 | $0 |
| Q1 2024 | 72.77% | 90.74% | $0 | $0 |
| Q2 2024 | 72.96% | 90.30% | $0 | $0 |
| Q3 2024 | 72.71% | 85.28% | $0 | $0 |
| Q4 2024 | 70.59% | 85.57% | $0 | $0 |
| Q1 2025 | 73.40% | 85.82% | $0 | $0 |
| Q2 2025 | 73.88% | 86.95% | $0 | $0 |
| Q3 2025 | 73.75% | 87.40% | $0 | $0 |
| Q4 2025 | 67.68% | 88.25% | $0 | $0 |
| Q1 2026 | 71.55% | 89.89% | $0 | $0 |
| Q2 2026 | 70.23% | 90.04% | $0 | $0 |
The First National Bank of Anderson 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 of Anderson, 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 of Anderson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3075) · FFIEC NIC profile (RSSD 362155)