The First National Bank of Granbury: 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 3.81 percentage points in Q2 2026, from 65.12% to 68.92%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Granbury is 226th of 346 on loan-to-deposit ratio, 63.60% as of Q2 2026, below the middle of the field. The First National Bank of Granbury reported 63.60% on loan-to-deposit ratio for Q2 2026, 17.34 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $69.6M |
| Cash and noninterest-bearing balances to assets | 7.35% |
| Cash and securities | $393.3M |
| 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 | 63.60% |
| Net loans and leases to deposits | 62.83% |
| Loans and leases to core deposits | 68.92% |
| Core deposits to total deposits | 92.28% |
| 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 | 55.93% | 93.18% | $0 | $0 |
| Q4 2023 | 53.99% | 92.55% | $0 | $0 |
| Q1 2024 | 55.99% | 93.10% | $0 | $0 |
| Q2 2024 | 58.09% | 92.80% | $0 | $0 |
| Q3 2024 | 59.22% | 92.82% | $0 | $0 |
| Q4 2024 | 57.33% | 93.01% | $0 | $0 |
| Q1 2025 | 57.81% | 92.93% | $0 | $0 |
| Q2 2025 | 60.08% | 92.98% | $0 | $0 |
| Q3 2025 | 61.08% | 92.85% | $0 | $0 |
| Q4 2025 | 56.57% | 93.49% | $0 | $0 |
| Q1 2026 | 60.42% | 92.79% | $0 | $0 |
| Q2 2026 | 63.60% | 92.28% | $0 | $0 |
The First National Bank of Granbury 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 Granbury, 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 Granbury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3228) · FFIEC NIC profile (RSSD 329952)