The First National Bank of Livingston: 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.
Loan-to-deposit ratio rose 0.74 percentage points from Q1 2026 to Q2 2026, ending at 57.01% against 56.28%. It was the largest change among the key lines on this page. The First National Bank of Livingston ranks 256th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 57.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Livingston sits 23.82 points lower, at 57.01% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $227.8M |
| 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 | 57.01% |
| Net loans and leases to deposits | 56.15% |
| Loans and leases to core deposits | 57.48% |
| Core deposits to total deposits | 99.20% |
| 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 | 43.71% | 99.06% | $40.6M | $0 |
| Q4 2023 | 45.68% | 99.17% | $32.6M | $0 |
| Q1 2024 | 47.41% | 99.16% | $0 | $30.8M |
| Q2 2024 | 50.01% | 99.13% | $0 | $44.2M |
| Q3 2024 | 50.08% | 99.12% | $1.0M | $26.0M |
| Q4 2024 | 51.21% | 99.03% | $0 | $1.5M |
| Q1 2025 | 53.06% | 99.11% | $0 | $0 |
| Q2 2025 | 53.85% | 99.10% | $0 | $0 |
| Q3 2025 | 54.24% | 99.10% | $0 | $0 |
| Q4 2025 | 58.33% | 99.16% | $0 | $0 |
| Q1 2026 | 56.28% | 99.14% | $0 | $0 |
| Q2 2026 | 57.01% | 99.20% | $0 | $0 |
The First National Bank of Livingston 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 Livingston, 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 Livingston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3305) · FFIEC NIC profile (RSSD 630658)