The First National Bank of Trinity: 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 Cash and balances due from depository institutions: 29.1% higher than in Q1 2026, at $7.0M. Within Texas, The First National Bank of Trinity is 269th of 346 on loan-to-deposit ratio, 52.97% as of Q2 2026, below the middle of the field. The First National Bank of Trinity reported 52.97% on loan-to-deposit ratio for Q2 2026, 14.66 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.7M |
| 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 | 52.97% |
| Net loans and leases to deposits | 52.36% |
| Loans and leases to core deposits | 58.23% |
| Core deposits to total deposits | 90.97% |
| 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 | 50.42% | 92.65% | $0 | $0 |
| Q4 2023 | 51.64% | 90.93% | $0 | $0 |
| Q1 2024 | 52.54% | 92.14% | $0 | $0 |
| Q2 2024 | 52.57% | 92.67% | $0 | $0 |
| Q3 2024 | 51.23% | 92.15% | $0 | $0 |
| Q4 2024 | 53.04% | 91.65% | $0 | $0 |
| Q1 2025 | 52.35% | 91.08% | $0 | $0 |
| Q2 2025 | 52.92% | 90.92% | $0 | $0 |
| Q3 2025 | 51.51% | 92.00% | $0 | $0 |
| Q4 2025 | 51.12% | 92.01% | $0 | $0 |
| Q1 2026 | 52.84% | 90.99% | $0 | $0 |
| Q2 2026 | 52.97% | 90.97% | $0 | $0 |
The First National Bank of Trinity 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 Trinity, 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 Trinity profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5559) · FFIEC NIC profile (RSSD 479567)