First National Bank of Central Texas: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
First National Bank of Central Texas reported a loan-to-deposit ratio of 88.86% as of Q2 2026, ranking #1,315 of 3,651 U.S. banks (64th percentile). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
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What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
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What is First National Bank of Central Texas's Loan-to-Deposit Ratio?
First National Bank of Central Texas's Loan-to-Deposit Ratio was 88.86% as of Q2 2026, ranking #1315 of 3,651 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More First National Bank of Central Texas metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First National Bank of Central Texas profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 3325) · FFIEC NIC profile (RSSD 369659)