First National Bank of Bosque County: 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 climbed 5.08 percentage points in Q2 2026, from 83.67% to 88.75%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First National Bank of Bosque County is 80th of 346 on loan-to-deposit ratio, 86.41% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Bosque County sits 5.57 points higher, at 86.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.8M |
| 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 | 86.41% |
| Net loans and leases to deposits | 85.28% |
| Loans and leases to core deposits | 88.75% |
| Core deposits to total deposits | 97.37% |
| 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 | 76.83% | 94.43% | $0 | $10.3M |
| Q4 2023 | 79.40% | 96.31% | $0 | $10.3M |
| Q1 2024 | 79.86% | 96.54% | $0 | $10.3M |
| Q2 2024 | 79.80% | 96.63% | $0 | $273K |
| Q3 2024 | 82.68% | 96.69% | $0 | $270K |
| Q4 2024 | 86.00% | 96.60% | $0 | $0 |
| Q1 2025 | 82.28% | 96.81% | $0 | $0 |
| Q2 2025 | 87.54% | 97.56% | $0 | $0 |
| Q3 2025 | 81.46% | 96.35% | $0 | $0 |
| Q4 2025 | 82.79% | 96.32% | $0 | $0 |
| Q1 2026 | 81.54% | 97.46% | $0 | $0 |
| Q2 2026 | 86.41% | 97.37% | $0 | $0 |
First National Bank of Bosque County 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 of Bosque County, 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 of Bosque County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5564) · FFIEC NIC profile (RSSD 198961)