Llano 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 Cash and balances due from depository institutions: 38.4% lower than in Q1 2026, at $11.6M. Within Texas, Llano National Bank is 216th of 346 on loan-to-deposit ratio, 65.29% as of Q2 2026, below the middle of the field. Llano National Bank reported 65.29% on loan-to-deposit ratio for Q2 2026, 15.54 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 | $11.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $107.5M |
| Fed funds sold and reverse repos | $259K |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.66% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.29% |
| Net loans and leases to deposits | 64.04% |
| Loans and leases to core deposits | 74.43% |
| Core deposits to total deposits | 87.73% |
| 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 | 59.65% | 94.17% | $0 | $5.5M |
| Q4 2023 | 61.71% | 94.92% | $0 | $8.0M |
| Q1 2024 | 64.14% | 94.35% | $0 | $13.5M |
| Q2 2024 | 61.40% | 94.23% | $0 | $13.2M |
| Q3 2024 | 63.56% | 93.89% | $0 | $11.7M |
| Q4 2024 | 63.89% | 92.85% | $0 | $9.7M |
| Q1 2025 | 64.51% | 92.67% | $0 | $7.8M |
| Q2 2025 | 62.21% | 92.00% | $0 | $6.2M |
| Q3 2025 | 63.61% | 89.67% | $0 | $4.5M |
| Q4 2025 | 57.86% | 89.03% | $0 | $2.0M |
| Q1 2026 | 63.44% | 88.35% | $0 | $2.0M |
| Q2 2026 | 65.29% | 87.73% | $0 | $2.0M |
Llano National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Llano 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 Llano National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24305) · FFIEC NIC profile (RSSD 946555)