The First National Bank of Sonora: 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: 2.10 percentage points higher than in Q1 2026, at 105.34%. The First National Bank of Sonora ranks 104th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 83.67% (Q2 2026). The First National Bank of Sonora reported 83.67% on loan-to-deposit ratio for Q2 2026, 2.83 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.2M |
| Cash and noninterest-bearing balances to assets | 7.50% |
| Cash and securities | $122.1M |
| 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 | $24.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.67% |
| Net loans and leases to deposits | 82.91% |
| Loans and leases to core deposits | 105.34% |
| Core deposits to total deposits | 79.42% |
| 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 | 74.68% | 85.94% | $0 | $55.8M |
| Q4 2023 | 76.52% | 84.22% | $0 | $55.7M |
| Q1 2024 | 75.67% | 85.03% | $0 | $30.5M |
| Q2 2024 | 78.56% | 84.80% | $0 | $30.4M |
| Q3 2024 | 77.70% | 84.15% | $0 | $30.3M |
| Q4 2024 | 76.68% | 83.39% | $0 | $5.2M |
| Q1 2025 | 68.59% | 80.21% | $0 | $5.1M |
| Q2 2025 | 68.53% | 78.82% | $0 | $4.9M |
| Q3 2025 | 71.01% | 78.86% | $0 | $4.8M |
| Q4 2025 | 74.69% | 78.48% | $0 | $4.7M |
| Q1 2026 | 82.17% | 79.59% | $0 | $24.6M |
| Q2 2026 | 83.67% | 79.42% | $0 | $24.4M |
The First National Bank of Sonora 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 Sonora, 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 Sonora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5531) · FFIEC NIC profile (RSSD 591366)