The First National Bank of Hebbronville: 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 Fed funds sold and reverse repos: 28.9% higher than in Q1 2026, at $5.3M. The First National Bank of Hebbronville has the 22nd lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 28.94% as of Q2 2026. The First National Bank of Hebbronville's loan-to-deposit ratio of 28.94% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 51.90 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.3M |
| Fed funds sold and reverse repos | $5.3M |
| Fed funds sold and reverse repos to assets | 5.20% |
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 | 28.94% |
| Net loans and leases to deposits | 28.71% |
| Loans and leases to core deposits | 36.28% |
| Core deposits to total deposits | 79.75% |
| Brokered deposits to total deposits | 7.93% |
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 | 35.70% | 83.26% | $0 | $0 |
| Q4 2023 | 36.42% | 82.74% | $0 | $0 |
| Q1 2024 | 35.35% | 84.07% | $0 | $0 |
| Q2 2024 | 37.02% | 84.74% | $0 | $0 |
| Q3 2024 | 38.35% | 84.39% | $0 | $0 |
| Q4 2024 | 34.01% | 78.42% | $0 | $0 |
| Q1 2025 | 32.59% | 78.88% | $0 | $0 |
| Q2 2025 | 32.66% | 79.66% | $0 | $0 |
| Q3 2025 | 34.13% | 79.07% | $0 | $0 |
| Q4 2025 | 31.90% | 80.16% | $0 | $0 |
| Q1 2026 | 29.95% | 81.11% | $0 | $0 |
| Q2 2026 | 28.94% | 79.75% | $0 | $0 |
The First National Bank of Hebbronville 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 Hebbronville, 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 Hebbronville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3248) · FFIEC NIC profile (RSSD 173959)