First National Bank USA: 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 Loans and leases to core deposits: 3.02 percentage points lower than in Q1 2026, at 55.86%. Within Louisiana, First National Bank USA is 89th of 103 on loan-to-deposit ratio, 53.28% as of Q2 2026, below the middle of the field. First National Bank USA reported 53.28% on loan-to-deposit ratio for Q2 2026, 27.55 points below 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 | $68.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $126.2M |
| 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 | $214K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.28% |
| Net loans and leases to deposits | 52.60% |
| Loans and leases to core deposits | 55.86% |
| Core deposits to total deposits | 94.97% |
| Brokered deposits to total deposits | 0.42% |
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 | 54.02% | 96.62% | $0 | $0 |
| Q4 2023 | 53.31% | 96.46% | $0 | $0 |
| Q1 2024 | 55.65% | 96.26% | $0 | $0 |
| Q2 2024 | 54.27% | 96.31% | $0 | $250K |
| Q3 2024 | 55.05% | 94.28% | $0 | $250K |
| Q4 2024 | 58.65% | 94.38% | $0 | $246K |
| Q1 2025 | 56.46% | 93.83% | $0 | $241K |
| Q2 2025 | 56.26% | 94.57% | $0 | $236K |
| Q3 2025 | 59.07% | 94.50% | $0 | $230K |
| Q4 2025 | 57.90% | 94.92% | $0 | $225K |
| Q1 2026 | 55.82% | 94.34% | $0 | $221K |
| Q2 2026 | 53.28% | 94.97% | $0 | $214K |
First National Bank USA 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 USA, 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 USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22046) · FFIEC NIC profile (RSSD 714839)