The First National Bank of Aspermont: 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: 2.83 percentage points higher than in Q1 2026, at 41.10%. Within Texas, The First National Bank of Aspermont is 307th of 346 on loan-to-deposit ratio, 38.94% as of Q2 2026, below the middle of the field. The First National Bank of Aspermont's loan-to-deposit ratio of 38.94% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 41.89 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.2M |
| 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 | 38.94% |
| Net loans and leases to deposits | 38.47% |
| Loans and leases to core deposits | 41.10% |
| Core deposits to total deposits | 94.77% |
| 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 | 33.98% | 89.10% | $0 | $6.0M |
| Q4 2023 | 31.52% | 89.73% | $0 | $4.0M |
| Q1 2024 | 31.72% | 90.52% | $0 | $2.0M |
| Q2 2024 | 29.58% | 91.00% | $0 | $0 |
| Q3 2024 | 32.70% | 91.08% | $0 | $0 |
| Q4 2024 | 33.39% | 90.35% | $0 | $0 |
| Q1 2025 | 31.00% | 92.50% | $0 | $0 |
| Q2 2025 | 34.85% | 94.27% | $0 | $0 |
| Q3 2025 | 33.90% | 94.67% | $0 | $0 |
| Q4 2025 | 33.98% | 95.41% | $0 | $0 |
| Q1 2026 | 36.49% | 95.35% | $0 | $0 |
| Q2 2026 | 38.94% | 94.77% | $0 | $0 |
The First National Bank of Aspermont 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 Aspermont, 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 Aspermont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3079) · FFIEC NIC profile (RSSD 138257)