The First National Bank of Hereford: 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 Loans and leases to core deposits: 15.20 percentage points higher than in Q1 2026, at 117.88%. On loan-to-deposit ratio, The First National Bank of Hereford ranks 14th highest among the 346 banks headquartered in Texas, at 101.02% (Q2 2026). The First National Bank of Hereford reported 101.02% on loan-to-deposit ratio for Q2 2026, 20.07 points above 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 | $9.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.9M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.02% |
| Net loans and leases to deposits | 99.77% |
| Loans and leases to core deposits | 117.88% |
| Core deposits to total deposits | 80.25% |
| Brokered deposits to total deposits | 5.45% |
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 | 97.73% | 86.16% | $0 | $19.4M |
| Q4 2023 | 90.43% | 86.89% | $0 | $3.7M |
| Q1 2024 | 92.90% | 87.37% | $0 | $7.9M |
| Q2 2024 | 93.79% | 83.56% | $0 | $7.7M |
| Q3 2024 | 90.86% | 79.75% | $0 | $0 |
| Q4 2024 | 86.88% | 87.28% | $0 | $0 |
| Q1 2025 | 92.81% | 81.51% | $0 | $0 |
| Q2 2025 | 91.66% | 79.81% | $0 | $0 |
| Q3 2025 | 93.89% | 79.55% | $0 | $0 |
| Q4 2025 | 89.55% | 87.54% | $0 | $0 |
| Q1 2026 | 89.37% | 82.33% | $0 | $0 |
| Q2 2026 | 101.02% | 80.25% | $0 | $5.0M |
The First National Bank of Hereford 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 Hereford, 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 Hereford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34918) · FFIEC NIC profile (RSSD 2759629)