Central 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: 38.1% lower than in Q1 2026, at $59.2M. Within Kansas, Central National Bank is 123rd of 182 on loan-to-deposit ratio, 66.75% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Central National Bank sits 21.45 points lower, at 66.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $59.2M |
| Cash and noninterest-bearing balances to assets | 4.26% |
| Cash and securities | $521.9M |
| Fed funds sold and reverse repos | $10.1M |
| Fed funds sold and reverse repos to assets | 0.73% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $26.1M |
| Other borrowed money | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.75% |
| Net loans and leases to deposits | 65.53% |
| Loans and leases to core deposits | 70.40% |
| Core deposits to total deposits | 94.81% |
| 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 | 60.68% | 97.48% | $3.1M | $0 |
| Q4 2023 | 57.52% | 97.24% | $4.8M | $0 |
| Q1 2024 | 60.40% | 96.65% | $3.3M | $0 |
| Q2 2024 | 63.42% | 96.15% | $2.7M | $0 |
| Q3 2024 | 65.41% | 95.77% | $2.0M | $10.0M |
| Q4 2024 | 64.42% | 96.20% | $3.0M | $10.0M |
| Q1 2025 | 65.68% | 96.77% | $3.1M | $10.0M |
| Q2 2025 | 70.18% | 96.95% | $2.2M | $60.1M |
| Q3 2025 | 71.81% | 96.15% | $2.7M | $44.0M |
| Q4 2025 | 63.29% | 96.00% | $16.5M | $20.0M |
| Q1 2026 | 65.74% | 94.94% | $24.6M | $20.0M |
| Q2 2026 | 66.75% | 94.81% | $26.1M | $20.0M |
Central National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4702) · FFIEC NIC profile (RSSD 234355)