First Texas National 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.
Loans and leases to core deposits climbed 5.03 percentage points in Q2 2026, from 117.24% to 122.27%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Texas National Bank ranks 26th highest among the 346 banks headquartered in Texas, at 97.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Texas National Bank sits 16.31 points higher, at 97.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.6M |
| 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 | 97.15% |
| Net loans and leases to deposits | 96.34% |
| Loans and leases to core deposits | 122.27% |
| Core deposits to total deposits | 79.46% |
| 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 | 91.95% | 81.59% | $3.0M | $0 |
| Q4 2023 | 76.09% | 84.82% | $0 | $0 |
| Q1 2024 | 74.96% | 79.76% | $0 | $0 |
| Q2 2024 | 90.38% | 80.09% | $10.0M | $0 |
| Q3 2024 | 89.36% | 72.71% | $3.0M | $0 |
| Q4 2024 | 87.77% | 77.42% | $0 | $0 |
| Q1 2025 | 92.36% | 74.93% | $0 | $0 |
| Q2 2025 | 97.40% | 79.86% | $3.0M | $0 |
| Q3 2025 | 90.63% | 81.69% | $0 | $0 |
| Q4 2025 | 87.99% | 84.45% | $0 | $0 |
| Q1 2026 | 96.61% | 82.40% | $0 | $0 |
| Q2 2026 | 97.15% | 79.46% | $0 | $0 |
First Texas National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texas National 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 Texas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3197) · FFIEC NIC profile (RSSD 393252)