The First National Bank of Mount Dora: 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.
Core deposits to total deposits climbed 3.32 percentage points in Q2 2026, from 90.11% to 93.44%. It was the largest change from Q1 2026 among the key lines here. Within Florida, The First National Bank of Mount Dora is 71st of 81 on loan-to-deposit ratio, 43.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Mount Dora sits 36.89 points lower, at 43.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $198.3M |
| 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 | 43.95% |
| Net loans and leases to deposits | 43.27% |
| Loans and leases to core deposits | 47.03% |
| Core deposits to total deposits | 93.44% |
| Brokered deposits to total deposits | 0.21% |
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 | 32.19% | 94.42% | $0 | $14.7M |
| Q4 2023 | 34.60% | 89.73% | $0 | $7.2M |
| Q1 2024 | 33.46% | 89.78% | $0 | $0 |
| Q2 2024 | 36.04% | 88.77% | $0 | $0 |
| Q3 2024 | 36.86% | 87.78% | $0 | $0 |
| Q4 2024 | 37.91% | 88.58% | $0 | $0 |
| Q1 2025 | 38.97% | 90.70% | $0 | $0 |
| Q2 2025 | 40.86% | 90.82% | $0 | $0 |
| Q3 2025 | 40.28% | 88.02% | $0 | $0 |
| Q4 2025 | 41.71% | 88.38% | $0 | $0 |
| Q1 2026 | 43.37% | 90.11% | $0 | $0 |
| Q2 2026 | 43.95% | 93.44% | $0 | $0 |
The First National Bank of Mount Dora 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 Mount Dora, 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 Mount Dora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3579) · FFIEC NIC profile (RSSD 61832)