The First National Bank of Bastrop: 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.
Cash and balances due from depository institutions climbed 35.3% in Q2 2026, from $89.0M to $120.5M. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Bastrop is 202nd of 346 on loan-to-deposit ratio, 67.57% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The First National Bank of Bastrop sits 20.63 points lower, at 67.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $120.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $423.9M |
| 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 | 67.57% |
| Net loans and leases to deposits | 66.80% |
| Loans and leases to core deposits | 76.38% |
| Core deposits to total deposits | 88.46% |
| 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 | 61.33% | 89.01% | $0 | $20.0M |
| Q4 2023 | 61.83% | 88.65% | $0 | $26.0M |
| Q1 2024 | 61.38% | 88.21% | $0 | $15.0M |
| Q2 2024 | 62.55% | 87.90% | $0 | $0 |
| Q3 2024 | 60.43% | 87.74% | $0 | $0 |
| Q4 2024 | 61.26% | 88.05% | $0 | $0 |
| Q1 2025 | 60.74% | 88.00% | $0 | $0 |
| Q2 2025 | 66.68% | 87.19% | $0 | $30.0M |
| Q3 2025 | 69.71% | 87.61% | $0 | $20.0M |
| Q4 2025 | 65.37% | 88.25% | $0 | $0 |
| Q1 2026 | 67.81% | 87.84% | $0 | $0 |
| Q2 2026 | 67.57% | 88.46% | $0 | $0 |
The First National Bank of Bastrop 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 Bastrop, 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 Bastrop profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3091) · FFIEC NIC profile (RSSD 18050)