The First National Bank of Stanton: 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 Q3 2026 was in Loans and leases to core deposits: 1.47 percentage points higher than in Q2 2026, at 33.50%. The First National Bank of Stanton has the 29th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 31.83% as of Q3 2026. The First National Bank of Stanton's loan-to-deposit ratio of 31.83% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 49.01 points (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $265.7M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 1.34% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 31.83% |
| Net loans and leases to deposits | 31.18% |
| Loans and leases to core deposits | 33.50% |
| Core deposits to total deposits | 95.00% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 24.53% | 98.67% | $0 | $0 |
| Q1 2024 | 28.30% | 98.57% | $0 | $0 |
| Q2 2024 | 30.96% | 97.98% | $0 | $0 |
| Q3 2024 | 29.67% | 96.18% | $0 | $0 |
| Q4 2024 | 26.95% | 94.94% | $0 | $0 |
| Q1 2025 | 28.05% | 95.42% | $0 | $0 |
| Q2 2025 | 28.28% | 95.58% | $0 | $0 |
| Q3 2025 | 29.64% | 96.02% | $0 | $0 |
| Q4 2025 | 28.82% | 96.17% | $0 | $0 |
| Q1 2026 | 31.96% | 95.72% | $0 | $0 |
| Q2 2026 | 30.66% | 95.71% | $0 | $0 |
| Q3 2026 | 31.83% | 95.00% | $0 | $0 |
The First National Bank of Stanton 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 Stanton, 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 Stanton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5536) · FFIEC NIC profile (RSSD 458665)