First National Bank of Huntsville: 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: 2.27 percentage points higher than in Q1 2026, at 76.11%. First National Bank of Huntsville ranks 185th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 71.01% (Q2 2026). First National Bank of Huntsville reported 71.01% on loan-to-deposit ratio for Q2 2026, 9.82 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 | $62.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $214.3M |
| 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 | 71.01% |
| Net loans and leases to deposits | 69.66% |
| Loans and leases to core deposits | 76.11% |
| Core deposits to total deposits | 93.30% |
| 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 | 58.66% | 96.18% | $0 | $0 |
| Q4 2023 | 58.08% | 96.02% | $0 | $0 |
| Q1 2024 | 61.58% | 95.78% | $0 | $0 |
| Q2 2024 | 64.41% | 95.50% | $0 | $0 |
| Q3 2024 | 65.46% | 95.41% | $0 | $0 |
| Q4 2024 | 63.54% | 95.81% | $0 | $0 |
| Q1 2025 | 67.81% | 93.43% | $0 | $0 |
| Q2 2025 | 72.98% | 93.43% | $0 | $0 |
| Q3 2025 | 73.97% | 93.12% | $0 | $0 |
| Q4 2025 | 65.51% | 93.28% | $0 | $0 |
| Q1 2026 | 68.78% | 93.14% | $0 | $0 |
| Q2 2026 | 71.01% | 93.30% | $0 | $0 |
First National Bank of Huntsville liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Huntsville, 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 First National Bank of Huntsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3269) · FFIEC NIC profile (RSSD 583352)