First National Bank of South Padre Island: 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 Fed funds sold and reverse repos: 57.0% lower than in Q1 2026, at $937K. First National Bank of South Padre Island ranks 252nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 58.12% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First National Bank of South Padre Island sits 9.50 points lower, at 58.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $38.1M |
| Fed funds sold and reverse repos | $937K |
| Fed funds sold and reverse repos to assets | 1.20% |
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 | 58.12% |
| Net loans and leases to deposits | 57.23% |
| Loans and leases to core deposits | 62.12% |
| Core deposits to total deposits | 93.57% |
| 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 | 41.33% | 98.04% | $0 | $0 |
| Q4 2023 | 42.37% | 97.94% | $0 | $0 |
| Q1 2024 | 36.96% | 97.67% | $0 | $0 |
| Q2 2024 | 43.82% | 95.53% | $0 | $0 |
| Q3 2024 | 43.46% | 95.05% | $0 | $0 |
| Q4 2024 | 47.39% | 94.53% | $0 | $0 |
| Q1 2025 | 45.73% | 95.20% | $0 | $0 |
| Q2 2025 | 48.74% | 95.20% | $0 | $0 |
| Q3 2025 | 51.18% | 94.79% | $0 | $0 |
| Q4 2025 | 58.47% | 93.60% | $0 | $0 |
| Q1 2026 | 56.45% | 93.87% | $0 | $0 |
| Q2 2026 | 58.12% | 93.57% | $0 | $0 |
First National Bank of South Padre Island 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 South Padre Island, 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 South Padre Island profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24902) · FFIEC NIC profile (RSSD 346566)