The First National Bank of Mertzon: 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.
Cash and noninterest-bearing balances to assets dropped 8.76 percentage points in Q2 2026, from 32.68% to 23.92%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Mertzon has the 12th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 21.68% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, The First National Bank of Mertzon reported 21.68% on loan-to-deposit ratio in Q2 2026, 59.16 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $119.7M |
| Cash and noninterest-bearing balances to assets | 23.92% |
| Cash and securities | $406.9M |
| 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 | 21.68% |
| Net loans and leases to deposits | 21.29% |
| Loans and leases to core deposits | 22.87% |
| Core deposits to total deposits | 94.80% |
| 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 | 18.48% | 97.14% | $0 | $0 |
| Q4 2023 | 19.66% | 96.47% | $0 | $0 |
| Q1 2024 | 19.10% | 96.29% | $0 | $0 |
| Q2 2024 | 17.64% | 95.94% | $0 | $0 |
| Q3 2024 | 15.93% | 96.03% | $0 | $0 |
| Q4 2024 | 15.19% | 95.55% | $0 | $0 |
| Q1 2025 | 14.35% | 95.39% | $0 | $0 |
| Q2 2025 | 15.88% | 95.28% | $0 | $0 |
| Q3 2025 | 15.90% | 94.80% | $0 | $0 |
| Q4 2025 | 18.15% | 94.63% | $0 | $0 |
| Q1 2026 | 18.90% | 94.79% | $0 | $0 |
| Q2 2026 | 21.68% | 94.80% | $0 | $0 |
The First National Bank of Mertzon 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 Mertzon, 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 Mertzon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3339) · FFIEC NIC profile (RSSD 500256)