The First National Bank of Eagle Lake: 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 9.73 percentage points in Q2 2026, from 70.89% to 80.62%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Eagle Lake ranks 174th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 72.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The First National Bank of Eagle Lake sits 8.12 points lower, at 72.83% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.5M |
| 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 | 72.83% |
| Net loans and leases to deposits | 71.52% |
| Loans and leases to core deposits | 80.62% |
| Core deposits to total deposits | 90.33% |
| 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 | 79.97% | 97.20% | $0 | $10.0M |
| Q4 2023 | 81.05% | 96.29% | $0 | $10.0M |
| Q1 2024 | 82.34% | 94.85% | $0 | $10.0M |
| Q2 2024 | 83.34% | 95.26% | $0 | $10.0M |
| Q3 2024 | 71.15% | 95.46% | $0 | $10.0M |
| Q4 2024 | 73.76% | 94.21% | $0 | $10.0M |
| Q1 2025 | 75.09% | 94.44% | $0 | $5.0M |
| Q2 2025 | 77.04% | 92.32% | $0 | $5.0M |
| Q3 2025 | 66.61% | 92.95% | $0 | $0 |
| Q4 2025 | 64.72% | 91.64% | $0 | $0 |
| Q1 2026 | 64.72% | 91.30% | $0 | $0 |
| Q2 2026 | 72.83% | 90.33% | $0 | $0 |
The First National Bank of Eagle Lake liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Eagle Lake, 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 The First National Bank of Eagle Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3179) · FFIEC NIC profile (RSSD 651952)