First National Bank of Clarksdale: 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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 51.3% lower than in Q1 2026, at $11.1M. Within Mississippi, First National Bank of Clarksdale is 32nd of 57 on loan-to-deposit ratio, 72.85% as of Q2 2026, below the middle of the field. First National Bank of Clarksdale reported 72.85% on loan-to-deposit ratio for Q2 2026, 7.99 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 | $11.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $112.2M |
| 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 | 72.85% |
| Net loans and leases to deposits | 72.10% |
| Loans and leases to core deposits | 81.91% |
| Core deposits to total deposits | 88.94% |
| 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 | 74.07% | 91.41% | $2.5M | $23.0M |
| Q4 2023 | 70.17% | 90.44% | $10.1M | $0 |
| Q1 2024 | 66.75% | 88.52% | $0 | $0 |
| Q2 2024 | 70.99% | 89.37% | $0 | $10.5M |
| Q3 2024 | 73.74% | 89.56% | $1.6M | $10.5M |
| Q4 2024 | 68.75% | 90.44% | $0 | $0 |
| Q1 2025 | 59.03% | 89.83% | $0 | $0 |
| Q2 2025 | 66.70% | 89.08% | $0 | $0 |
| Q3 2025 | 72.85% | 88.36% | $6.4M | $0 |
| Q4 2025 | 70.90% | 87.59% | $0 | $0 |
| Q1 2026 | 69.75% | 87.39% | $0 | $0 |
| Q2 2026 | 72.85% | 88.94% | $0 | $0 |
First National Bank of Clarksdale 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 Clarksdale, 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 Clarksdale profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19070) · FFIEC NIC profile (RSSD 11640)