The First National Bank of Hughes Springs: 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: 1.02 percentage points higher than in Q1 2026, at 76.54%. Within Texas, The First National Bank of Hughes Springs is 169th of 346 on loan-to-deposit ratio, 73.61% as of Q2 2026, above the middle of the field. The First National Bank of Hughes Springs reported 73.61% on loan-to-deposit ratio for Q2 2026, 7.22 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $63.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.6M |
| 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 | 73.61% |
| Net loans and leases to deposits | 72.63% |
| Loans and leases to core deposits | 76.54% |
| Core deposits to total deposits | 96.17% |
| 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 | 76.35% | 98.06% | $0 | $0 |
| Q4 2023 | 77.09% | 97.16% | $0 | $0 |
| Q1 2024 | 77.32% | 97.18% | $0 | $0 |
| Q2 2024 | 82.70% | 96.29% | $0 | $0 |
| Q3 2024 | 87.45% | 97.05% | $0 | $0 |
| Q4 2024 | 83.44% | 97.48% | $0 | $0 |
| Q1 2025 | 81.86% | 96.41% | $0 | $0 |
| Q2 2025 | 79.05% | 96.39% | $0 | $0 |
| Q3 2025 | 80.07% | 97.19% | $0 | $0 |
| Q4 2025 | 77.14% | 97.12% | $0 | $0 |
| Q1 2026 | 72.75% | 96.33% | $0 | $0 |
| Q2 2026 | 73.61% | 96.17% | $0 | $0 |
The First National Bank of Hughes Springs 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 Hughes Springs, 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 Hughes Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3268) · FFIEC NIC profile (RSSD 849357)