The Lamesa 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.
Cash and balances due from depository institutions dropped 23.2% in Q2 2026, from $71.2M to $54.7M. It was the largest change from Q1 2026 among the key lines here. The Lamesa National Bank has the 7th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 16.22% as of Q2 2026. The Lamesa National Bank's loan-to-deposit ratio of 16.22% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 64.62 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $361.6M |
| Fed funds sold and reverse repos | $33.0M |
| Fed funds sold and reverse repos to assets | 7.73% |
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 | 16.22% |
| Net loans and leases to deposits | 15.76% |
| Loans and leases to core deposits | 18.96% |
| Core deposits to total deposits | 85.54% |
| 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 | 21.77% | 88.02% | $0 | $0 |
| Q4 2023 | 16.84% | 88.30% | $0 | $0 |
| Q1 2024 | 16.70% | 87.92% | $0 | $0 |
| Q2 2024 | 23.09% | 87.69% | $0 | $0 |
| Q3 2024 | 25.62% | 87.34% | $0 | $0 |
| Q4 2024 | 24.17% | 87.13% | $0 | $0 |
| Q1 2025 | 20.21% | 86.95% | $0 | $0 |
| Q2 2025 | 20.12% | 86.73% | $0 | $0 |
| Q3 2025 | 20.54% | 85.78% | $0 | $0 |
| Q4 2025 | 20.42% | 86.35% | $0 | $0 |
| Q1 2026 | 14.92% | 86.36% | $0 | $0 |
| Q2 2026 | 16.22% | 85.54% | $0 | $0 |
The Lamesa National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lamesa 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 The Lamesa National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3292) · FFIEC NIC profile (RSSD 623052)