The First National Bank of Quitaque: 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.
Loans and leases to core deposits climbed 3.46 percentage points in Q2 2026, from 38.38% to 41.84%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Quitaque ranks 308th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 38.06% (Q2 2026). The First National Bank of Quitaque's loan-to-deposit ratio of 38.06% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 42.78 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $77.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.3M |
| 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 | 38.06% |
| Net loans and leases to deposits | 37.48% |
| Loans and leases to core deposits | 41.84% |
| Core deposits to total deposits | 90.97% |
| 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 | 46.03% | 95.50% | $0 | $0 |
| Q4 2023 | 43.16% | 95.42% | $0 | $0 |
| Q1 2024 | 39.35% | 94.66% | $0 | $0 |
| Q2 2024 | 47.42% | 93.33% | $0 | $0 |
| Q3 2024 | 52.49% | 93.25% | $0 | $0 |
| Q4 2024 | 50.17% | 93.94% | $0 | $0 |
| Q1 2025 | 47.92% | 93.14% | $0 | $0 |
| Q2 2025 | 43.89% | 91.89% | $0 | $0 |
| Q3 2025 | 46.12% | 91.89% | $0 | $0 |
| Q4 2025 | 45.03% | 91.13% | $0 | $0 |
| Q1 2026 | 35.01% | 91.20% | $0 | $0 |
| Q2 2026 | 38.06% | 90.97% | $0 | $0 |
The First National Bank of Quitaque 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 Quitaque, 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 Quitaque profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3401) · FFIEC NIC profile (RSSD 644963)