The First National Bank of Ballinger: 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.
Loans and leases to core deposits dropped 4.88 percentage points in Q2 2026, from 78.21% to 73.33%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Ballinger ranks 234th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 62.85% (Q2 2026). The First National Bank of Ballinger reported 62.85% on loan-to-deposit ratio for Q2 2026, 17.99 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $112.0M |
| 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 | 62.85% |
| Net loans and leases to deposits | 61.55% |
| Loans and leases to core deposits | 73.33% |
| Core deposits to total deposits | 85.72% |
| 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 | 65.90% | 90.65% | $0 | $0 |
| Q4 2023 | 67.20% | 90.02% | $0 | $0 |
| Q1 2024 | 67.95% | 88.57% | $0 | $0 |
| Q2 2024 | 67.77% | 87.41% | $0 | $0 |
| Q3 2024 | 70.70% | 88.13% | $0 | $0 |
| Q4 2024 | 70.67% | 88.16% | $0 | $0 |
| Q1 2025 | 70.86% | 86.33% | $0 | $0 |
| Q2 2025 | 68.66% | 86.89% | $0 | $0 |
| Q3 2025 | 66.66% | 87.18% | $0 | $0 |
| Q4 2025 | 61.16% | 87.28% | $0 | $0 |
| Q1 2026 | 67.43% | 86.22% | $0 | $0 |
| Q2 2026 | 62.85% | 85.72% | $0 | $0 |
The First National Bank of Ballinger 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 Ballinger, 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 Ballinger profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3087) · FFIEC NIC profile (RSSD 160454)