The First National Bank of Lipan: 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 Net loans and leases to deposits: 1.18 percentage points lower than in Q1 2026, at 32.08%. On loan-to-deposit ratio, The First National Bank of Lipan is 30th from the bottom among 346 Texas banks, 32.46% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, The First National Bank of Lipan reported 32.46% on loan-to-deposit ratio in Q2 2026, 35.16 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.1M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 6.60% |
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 | 32.46% |
| Net loans and leases to deposits | 32.08% |
| Loans and leases to core deposits | 33.19% |
| Core deposits to total deposits | 97.82% |
| 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 | 29.74% | 99.04% | $0 | $0 |
| Q4 2023 | 30.27% | 99.05% | $0 | $0 |
| Q1 2024 | 32.93% | 98.97% | $0 | $0 |
| Q2 2024 | 32.84% | 98.96% | $0 | $0 |
| Q3 2024 | 31.91% | 98.95% | $0 | $0 |
| Q4 2024 | 32.39% | 98.97% | $0 | $0 |
| Q1 2025 | 31.89% | 98.93% | $0 | $0 |
| Q2 2025 | 28.98% | 99.08% | $0 | $0 |
| Q3 2025 | 31.76% | 98.97% | $0 | $0 |
| Q4 2025 | 33.33% | 97.88% | $0 | $0 |
| Q1 2026 | 33.63% | 97.89% | $0 | $0 |
| Q2 2026 | 32.46% | 97.82% | $0 | $0 |
The First National Bank of Lipan 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 Lipan, 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 Lipan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3303) · FFIEC NIC profile (RSSD 811457)