Amarillo 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 purchased and repos: 16.9% lower than in Q1 2026, at $76.7M. Within Texas, Amarillo National Bank is 136th of 346 on loan-to-deposit ratio, 78.66% as of Q2 2026, above the middle of the field. Amarillo National Bank reported 78.66% on loan-to-deposit ratio for Q2 2026, 8.17 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.59B |
| Cash and noninterest-bearing balances to assets | 24.93% |
| Cash and securities | $2.98B |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $76.7M |
| 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 | 78.66% |
| Net loans and leases to deposits | 77.65% |
| Loans and leases to core deposits | 88.57% |
| Core deposits to total deposits | 88.81% |
| 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 | 90.47% | 89.13% | $130.6M | $6.0M |
| Q4 2023 | 89.21% | 89.54% | $173.6M | $6.0M |
| Q1 2024 | 88.49% | 89.17% | $141.0M | $6.0M |
| Q2 2024 | 90.16% | 88.60% | $80.5M | $6.0M |
| Q3 2024 | 87.60% | 88.55% | $62.8M | $6.0M |
| Q4 2024 | 87.14% | 88.59% | $87.0M | $6.0M |
| Q1 2025 | 83.20% | 88.63% | $129.6M | $0 |
| Q2 2025 | 80.21% | 88.34% | $86.9M | $0 |
| Q3 2025 | 78.70% | 88.20% | $93.1M | $0 |
| Q4 2025 | 85.09% | 88.17% | $69.2M | $0 |
| Q1 2026 | 78.83% | 88.85% | $92.2M | $0 |
| Q2 2026 | 78.66% | 88.81% | $76.7M | $0 |
Amarillo National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Amarillo 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 Amarillo National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14531) · FFIEC NIC profile (RSSD 353555)