The First National Bank of Sterling City: 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.
Cash and balances due from depository institutions dropped 86.7% in Q2 2026, from $16.4M to $2.2M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Sterling City is 11th from the bottom among 346 Texas banks, 20.79% (Q2 2026). The First National Bank of Sterling City's loan-to-deposit ratio of 20.79% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 60.04 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $190.9M |
| 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 | 20.79% |
| Net loans and leases to deposits | 20.57% |
| Loans and leases to core deposits | 21.45% |
| Core deposits to total deposits | 96.95% |
| 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 | 15.14% | 96.72% | $0 | $0 |
| Q4 2023 | 15.18% | 96.84% | $0 | $0 |
| Q1 2024 | 14.41% | 97.19% | $0 | $0 |
| Q2 2024 | 16.41% | 97.11% | $0 | $0 |
| Q3 2024 | 17.82% | 97.12% | $0 | $0 |
| Q4 2024 | 18.06% | 97.22% | $0 | $0 |
| Q1 2025 | 20.83% | 97.32% | $0 | $0 |
| Q2 2025 | 20.94% | 97.62% | $0 | $0 |
| Q3 2025 | 19.80% | 97.75% | $0 | $0 |
| Q4 2025 | 18.34% | 97.71% | $0 | $0 |
| Q1 2026 | 17.95% | 97.20% | $0 | $0 |
| Q2 2026 | 20.79% | 96.95% | $0 | $0 |
The First National Bank of Sterling City 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 Sterling City, 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 Sterling City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5538) · FFIEC NIC profile (RSSD 411062)