First National Bank of Central Texas: 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.
Fed funds purchased and repos climbed 155.2% in Q2 2026, from $7.4M to $18.8M. It was the largest change from Q1 2026 among the key lines here. First National Bank of Central Texas ranks 60th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 88.86% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First National Bank of Central Texas reported 88.86% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $256.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $330.6M |
| 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 | $18.8M |
| 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 | 88.86% |
| Net loans and leases to deposits | 87.80% |
| Loans and leases to core deposits | 100.69% |
| Core deposits to total deposits | 88.25% |
| 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 | 91.16% | 88.56% | $15.1M | $150.0M |
| Q4 2023 | 90.99% | 84.71% | $9.3M | $150.0M |
| Q1 2024 | 89.80% | 83.38% | $11.7M | $140.0M |
| Q2 2024 | 88.61% | 83.66% | $13.7M | $87.5M |
| Q3 2024 | 83.11% | 85.28% | $15.3M | $0 |
| Q4 2024 | 87.54% | 85.47% | $9.3M | $0 |
| Q1 2025 | 91.10% | 85.96% | $8.7M | $0 |
| Q2 2025 | 89.22% | 86.75% | $11.9M | $0 |
| Q3 2025 | 88.49% | 87.61% | $12.4M | $0 |
| Q4 2025 | 93.46% | 87.75% | $9.6M | $0 |
| Q1 2026 | 90.32% | 87.70% | $7.4M | $0 |
| Q2 2026 | 88.86% | 88.25% | $18.8M | $0 |
First National Bank of Central Texas 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 Central Texas, 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 Central Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3325) · FFIEC NIC profile (RSSD 369659)