Lamar 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 27.1% higher than in Q1 2026, at $3.3M. Within Texas, Lamar National Bank is 215th of 346 on loan-to-deposit ratio, 65.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lamar National Bank sits 15.01 points lower, at 65.83% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $119.7M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 0.88% |
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 | 65.83% |
| Net loans and leases to deposits | 64.89% |
| Loans and leases to core deposits | 68.54% |
| Core deposits to total deposits | 96.05% |
| Brokered deposits to total deposits | 4.73% |
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 | 65.17% | 87.55% | $0 | $28.0M |
| Q4 2023 | 66.87% | 84.42% | $0 | $18.0M |
| Q1 2024 | 71.58% | 89.67% | $0 | $18.0M |
| Q2 2024 | 69.15% | 90.15% | $0 | $18.0M |
| Q3 2024 | 73.16% | 89.30% | $0 | $18.0M |
| Q4 2024 | 71.67% | 91.92% | $13.0M | $0 |
| Q1 2025 | 76.14% | 95.89% | $11.5M | $15.0M |
| Q2 2025 | 74.14% | 94.12% | $0 | $12.5M |
| Q3 2025 | 69.37% | 85.92% | $0 | $0 |
| Q4 2025 | 74.23% | 91.56% | $4.0M | $5.0M |
| Q1 2026 | 65.09% | 95.43% | $0 | $0 |
| Q2 2026 | 65.83% | 96.05% | $0 | $0 |
Lamar National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lamar 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 Lamar National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23597) · FFIEC NIC profile (RSSD 2161)