First National Bank Texas dba First Convenience Bank: 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: 22.8% lower than in Q1 2026, at $424.1M. Within Texas, First National Bank Texas dba First Convenience Bank is 261st of 346 on loan-to-deposit ratio, 55.85% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First National Bank Texas dba First Convenience Bank sits 32.35 points lower, at 55.85% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $424.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.14B |
| 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 | $77.5M |
| 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 | 55.85% |
| Net loans and leases to deposits | 55.14% |
| Loans and leases to core deposits | 57.51% |
| Core deposits to total deposits | 97.10% |
| 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 | 53.64% | 99.05% | $63.3M | $270.0M |
| Q4 2023 | 54.55% | 98.80% | $68.3M | $370.0M |
| Q1 2024 | 50.49% | 98.71% | $73.6M | $110.0M |
| Q2 2024 | 51.62% | 98.56% | $70.9M | $110.0M |
| Q3 2024 | 54.49% | 98.11% | $67.7M | $100.0M |
| Q4 2024 | 56.97% | 97.84% | $71.0M | $50.0M |
| Q1 2025 | 53.19% | 97.95% | $74.2M | $0 |
| Q2 2025 | 56.07% | 97.88% | $68.9M | $0 |
| Q3 2025 | 57.52% | 97.82% | $65.5M | $0 |
| Q4 2025 | 55.43% | 97.65% | $63.9M | $0 |
| Q1 2026 | 54.46% | 97.42% | $83.6M | $0 |
| Q2 2026 | 55.85% | 97.10% | $77.5M | $0 |
First National Bank Texas dba First Convenience Bank 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 Texas dba First Convenience Bank, 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 Texas dba First Convenience Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3285) · FFIEC NIC profile (RSSD 613950)