First National Bank of Pasco: 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.
Fed funds sold and reverse repos climbed 31.7% in Q2 2026, from $19.6M to $25.8M. It was the largest change from Q1 2026 among the key lines here. Within Florida, First National Bank of Pasco is 52nd of 81 on loan-to-deposit ratio, 72.16% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Pasco sits 8.78 points lower, at 72.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.3M |
| Fed funds sold and reverse repos | $25.8M |
| Fed funds sold and reverse repos to assets | 9.23% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.16% |
| Net loans and leases to deposits | 70.94% |
| Loans and leases to core deposits | 79.47% |
| Core deposits to total deposits | 89.10% |
| Brokered deposits to total deposits | 1.71% |
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 | 64.06% | 87.94% | $0 | $0 |
| Q4 2023 | 64.40% | 88.60% | $0 | $0 |
| Q1 2024 | 64.97% | 88.22% | $0 | $0 |
| Q2 2024 | 65.78% | 88.09% | $0 | $0 |
| Q3 2024 | 70.80% | 87.39% | $0 | $25.0M |
| Q4 2024 | 71.44% | 84.46% | $0 | $25.0M |
| Q1 2025 | 71.04% | 89.70% | $0 | $25.0M |
| Q2 2025 | 72.17% | 89.25% | $0 | $25.0M |
| Q3 2025 | 74.18% | 84.70% | $0 | $25.0M |
| Q4 2025 | 76.98% | 87.82% | $0 | $25.0M |
| Q1 2026 | 75.23% | 89.48% | $0 | $25.0M |
| Q2 2026 | 72.16% | 89.10% | $0 | $25.0M |
First National Bank of Pasco liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Pasco, 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 First National Bank of Pasco profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26829) · FFIEC NIC profile (RSSD 82033)