The First National Bank of McGregor: 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.
Other borrowed money climbed 78.6% in Q2 2026, from $5.9M to $10.5M. It was the largest change from Q1 2026 among the key lines here. The First National Bank of McGregor ranks 89th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 85.26% (Q2 2026). The First National Bank of McGregor reported 85.26% on loan-to-deposit ratio for Q2 2026, 2.94 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $145.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $211.8M |
| 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 | $10.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.26% |
| Net loans and leases to deposits | 84.14% |
| Loans and leases to core deposits | 105.07% |
| Core deposits to total deposits | 67.46% |
| Brokered deposits to total deposits | 14.35% |
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 | 77.49% | 64.43% | $0 | $136K |
| Q4 2023 | 80.59% | 64.86% | $0 | $135K |
| Q1 2024 | 81.26% | 66.61% | $0 | $5.6M |
| Q2 2024 | 86.23% | 62.51% | $0 | $25.5M |
| Q3 2024 | 83.78% | 67.61% | $0 | $5.6M |
| Q4 2024 | 85.71% | 67.54% | $0 | $21.1M |
| Q1 2025 | 84.25% | 66.13% | $0 | $519K |
| Q2 2025 | 86.08% | 67.84% | $0 | $10.5M |
| Q3 2025 | 83.84% | 67.44% | $0 | $2.0M |
| Q4 2025 | 85.81% | 65.36% | $0 | $4.1M |
| Q1 2026 | 84.49% | 64.39% | $0 | $5.9M |
| Q2 2026 | 85.26% | 67.46% | $0 | $10.5M |
The First National Bank of McGregor 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 McGregor, 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 McGregor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3330) · FFIEC NIC profile (RSSD 895055)