The Liberty National Bank in Paris: 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: 13.48 percentage points higher than in Q1 2026, at 106.58%. Within Texas, The Liberty National Bank in Paris is 50th of 346 on loan-to-deposit ratio, 90.56% as of Q2 2026, above the middle of the field. The Liberty National Bank in Paris reported 90.56% on loan-to-deposit ratio for Q2 2026, 9.72 points above 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 | $12.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.8M |
| 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 | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.56% |
| Net loans and leases to deposits | 88.95% |
| Loans and leases to core deposits | 106.58% |
| Core deposits to total deposits | 82.22% |
| Brokered deposits to total deposits | 2.75% |
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 | 81.19% | 88.53% | $0 | $10.5M |
| Q4 2023 | 80.73% | 85.86% | $0 | $5.5M |
| Q1 2024 | 78.11% | 84.79% | $0 | $5.4M |
| Q2 2024 | 82.27% | 86.36% | $0 | $5.3M |
| Q3 2024 | 84.29% | 84.89% | $0 | $15.1M |
| Q4 2024 | 80.23% | 81.03% | $0 | $0 |
| Q1 2025 | 78.83% | 85.06% | $0 | $0 |
| Q2 2025 | 77.89% | 85.79% | $0 | $0 |
| Q3 2025 | 82.31% | 79.17% | $0 | $0 |
| Q4 2025 | 77.54% | 81.43% | $0 | $0 |
| Q1 2026 | 80.56% | 83.99% | $0 | $0 |
| Q2 2026 | 90.56% | 82.22% | $0 | $30.0M |
The Liberty National Bank in Paris liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Liberty National Bank in Paris, 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 Liberty National Bank in Paris profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3384) · FFIEC NIC profile (RSSD 1669)