First National Bank of Lake Jackson: 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 Cash and balances due from depository institutions: 25.4% higher than in Q1 2026, at $40.0M. First National Bank of Lake Jackson has the 14th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 23.65% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, First National Bank of Lake Jackson reported 23.65% on loan-to-deposit ratio in Q2 2026, 57.19 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $166.1M |
| Fed funds sold and reverse repos | $98K |
| Fed funds sold and reverse repos to assets | 0.04% |
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 | 23.65% |
| Net loans and leases to deposits | 23.39% |
| Loans and leases to core deposits | 24.44% |
| Core deposits to total deposits | 96.75% |
| Brokered deposits to total deposits | 1.19% |
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 | 16.23% | 94.46% | $0 | $25.5M |
| Q4 2023 | 13.93% | 95.32% | $0 | $28.5M |
| Q1 2024 | 14.92% | 96.38% | $0 | $28.5M |
| Q2 2024 | 14.64% | 96.63% | $0 | $28.5M |
| Q3 2024 | 16.71% | 96.64% | $26K | $10.0M |
| Q4 2024 | 15.60% | 97.04% | $3K | $0 |
| Q1 2025 | 17.72% | 95.70% | $8K | $0 |
| Q2 2025 | 20.40% | 96.04% | $0 | $0 |
| Q3 2025 | 24.40% | 94.74% | $0 | $0 |
| Q4 2025 | 24.80% | 97.16% | $0 | $0 |
| Q1 2026 | 24.96% | 96.64% | $0 | $0 |
| Q2 2026 | 23.65% | 96.75% | $0 | $0 |
First National Bank of Lake Jackson 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 Lake Jackson, 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 Lake Jackson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18895) · FFIEC NIC profile (RSSD 560353)