The Brady 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: 100.0% lower than in Q1 2026, at $0. The Brady National Bank ranks 275th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 50.58% (Q2 2026). The Brady National Bank reported 50.58% on loan-to-deposit ratio for Q2 2026, 30.25 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 | $35.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.9M |
| 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 | $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 | 50.58% |
| Net loans and leases to deposits | 49.76% |
| Loans and leases to core deposits | 60.77% |
| Core deposits to total deposits | 83.24% |
| 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 | 59.38% | 91.64% | $0 | $6.0M |
| Q4 2023 | 55.39% | 90.71% | $0 | $6.0M |
| Q1 2024 | 55.04% | 90.63% | $0 | $6.0M |
| Q2 2024 | 58.52% | 89.26% | $0 | $0 |
| Q3 2024 | 60.88% | 86.16% | $0 | $0 |
| Q4 2024 | 56.48% | 85.13% | $0 | $0 |
| Q1 2025 | 61.29% | 87.42% | $0 | $0 |
| Q2 2025 | 61.49% | 83.47% | $0 | $0 |
| Q3 2025 | 57.46% | 81.62% | $0 | $0 |
| Q4 2025 | 53.14% | 82.71% | $0 | $0 |
| Q1 2026 | 54.87% | 81.83% | $0 | $0 |
| Q2 2026 | 50.58% | 83.24% | $0 | $0 |
The Brady 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 Brady 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 Brady National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3109) · FFIEC NIC profile (RSSD 101952)