The First National Bank of East 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.
Loans and leases to core deposits climbed 2.76 percentage points in Q2 2026, from 95.91% to 98.67%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of East Texas ranks 145th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 77.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of East Texas sits 3.32 points lower, at 77.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $145.6M |
| 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 | $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 | 77.52% |
| Net loans and leases to deposits | 76.47% |
| Loans and leases to core deposits | 98.67% |
| Core deposits to total deposits | 78.57% |
| 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 | 78.16% | 86.11% | $0 | $13.0M |
| Q4 2023 | 82.28% | 85.34% | $0 | $31.0M |
| Q1 2024 | 80.66% | 81.64% | $0 | $16.2M |
| Q2 2024 | 80.02% | 80.47% | $0 | $9.0M |
| Q3 2024 | 79.67% | 80.53% | $0 | $0 |
| Q4 2024 | 79.23% | 80.88% | $0 | $0 |
| Q1 2025 | 77.69% | 83.18% | $0 | $0 |
| Q2 2025 | 76.04% | 80.41% | $0 | $0 |
| Q3 2025 | 75.49% | 79.88% | $0 | $0 |
| Q4 2025 | 75.25% | 80.29% | $0 | $0 |
| Q1 2026 | 77.27% | 80.57% | $0 | $0 |
| Q2 2026 | 77.52% | 78.57% | $0 | $0 |
The First National Bank of East Texas 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 East 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 The First National Bank of East Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3218) · FFIEC NIC profile (RSSD 445955)