First National Bank of Dublin: 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.
Compared with Q1 2026, Loan-to-deposit ratio rose 0.51 percentage points in Q2 2026 to 82.62%, the biggest move on this page. First National Bank of Dublin ranks 114th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 82.62% (Q2 2026). At 82.62%, First National Bank of Dublin's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.8M |
| 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 | 82.62% |
| Net loans and leases to deposits | 81.08% |
| Loans and leases to core deposits | 85.75% |
| Core deposits to total deposits | 96.35% |
| 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 | 71.58% | 96.53% | $0 | $0 |
| Q4 2023 | 71.67% | 97.27% | $0 | $0 |
| Q1 2024 | 76.37% | 97.37% | $0 | $0 |
| Q2 2024 | 76.11% | 97.13% | $0 | $0 |
| Q3 2024 | 78.11% | 96.28% | $0 | $0 |
| Q4 2024 | 76.58% | 96.48% | $0 | $0 |
| Q1 2025 | 73.38% | 97.07% | $0 | $0 |
| Q2 2025 | 77.48% | 96.09% | $0 | $0 |
| Q3 2025 | 76.25% | 95.96% | $0 | $0 |
| Q4 2025 | 80.82% | 95.80% | $0 | $0 |
| Q1 2026 | 82.11% | 95.99% | $0 | $0 |
| Q2 2026 | 82.62% | 96.35% | $0 | $0 |
First National Bank of Dublin 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 Dublin, 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 Dublin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26228) · FFIEC NIC profile (RSSD 648550)