The First National Bank of Tom Bean: 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.
Core deposits to total deposits climbed 2.24 percentage points in Q2 2026, from 84.64% to 86.88%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, The First National Bank of Tom Bean sits 33rd from the top on loan-to-deposit ratio, 94.85% as of Q2 2026. The First National Bank of Tom Bean reported 94.85% on loan-to-deposit ratio for Q2 2026, 14.02 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 | $17.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.7M |
| Fed funds sold and reverse repos | $2.9M |
| Fed funds sold and reverse repos to assets | 1.87% |
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 | 94.85% |
| Net loans and leases to deposits | 93.23% |
| Loans and leases to core deposits | 109.18% |
| Core deposits to total deposits | 86.88% |
| 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 | 87.47% | 82.64% | $0 | $500K |
| Q4 2023 | 92.18% | 82.01% | $0 | $500K |
| Q1 2024 | 88.23% | 81.86% | $0 | $500K |
| Q2 2024 | 85.71% | 80.73% | $0 | $0 |
| Q3 2024 | 82.44% | 83.91% | $0 | $0 |
| Q4 2024 | 84.00% | 83.66% | $0 | $0 |
| Q1 2025 | 90.35% | 84.87% | $0 | $0 |
| Q2 2025 | 91.41% | 85.97% | $0 | $0 |
| Q3 2025 | 89.17% | 86.56% | $0 | $0 |
| Q4 2025 | 91.83% | 86.09% | $0 | $0 |
| Q1 2026 | 94.08% | 84.64% | $0 | $0 |
| Q2 2026 | 94.85% | 86.88% | $0 | $0 |
The First National Bank of Tom Bean 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 Tom Bean, 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 Tom Bean profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5557) · FFIEC NIC profile (RSSD 193162)