The First National Bank of Moody: 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 Loans and leases to core deposits: 4.02 percentage points lower than in Q1 2026, at 40.37%. The First National Bank of Moody ranks 303rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 39.72% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Moody sits 27.90 points lower, at 39.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.0M |
| 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 | 39.72% |
| Net loans and leases to deposits | 39.20% |
| Loans and leases to core deposits | 40.37% |
| Core deposits to total deposits | 98.41% |
| Brokered deposits to total deposits | 21.13% |
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 | 47.42% | 98.16% | $0 | $0 |
| Q4 2023 | 43.75% | 98.10% | $0 | $0 |
| Q1 2024 | 34.55% | 98.44% | $0 | $0 |
| Q2 2024 | 45.31% | 98.54% | $0 | $0 |
| Q3 2024 | 45.79% | 98.51% | $0 | $0 |
| Q4 2024 | 39.52% | 98.64% | $0 | $0 |
| Q1 2025 | 44.49% | 98.49% | $0 | $0 |
| Q2 2025 | 44.34% | 98.50% | $0 | $0 |
| Q3 2025 | 42.72% | 98.41% | $0 | $0 |
| Q4 2025 | 41.71% | 98.44% | $0 | $0 |
| Q1 2026 | 43.67% | 98.39% | $0 | $0 |
| Q2 2026 | 39.72% | 98.41% | $0 | $0 |
The First National Bank of Moody 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 Moody, 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 Moody profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3351) · FFIEC NIC profile (RSSD 108269)