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.
Cash and balances due from depository institutions dropped 22.7% in Q2 2026, from $159.7M to $123.4M. It was the largest change from Q1 2026 among the key lines here. Central National Bank ranks 39th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 92.07% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Central National Bank sits 3.87 points higher, at 92.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $123.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $257.7M |
| 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 | $14.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.07% |
| Net loans and leases to deposits | 90.97% |
| Loans and leases to core deposits | 107.91% |
| Core deposits to total deposits | 78.84% |
| Brokered deposits to total deposits | 6.48% |
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 | 90.36% | 89.97% | $12.6M | $20.0M |
| Q4 2023 | 93.32% | 88.68% | $2.3M | $19.6M |
| Q1 2024 | 92.87% | 86.44% | $6.9M | $19.3M |
| Q2 2024 | 95.00% | 84.68% | $8.1M | $18.5M |
| Q3 2024 | 85.93% | 83.24% | $0 | $16.4M |
| Q4 2024 | 89.58% | 84.86% | $0 | $16.1M |
| Q1 2025 | 92.27% | 83.62% | $0 | $16.2M |
| Q2 2025 | 96.10% | 82.23% | $0 | $15.8M |
| Q3 2025 | 91.63% | 81.58% | $0 | $15.5M |
| Q4 2025 | 85.27% | 78.96% | $0 | $15.1M |
| Q1 2026 | 90.53% | 78.40% | $0 | $14.7M |
| Q2 2026 | 92.07% | 78.84% | $0 | $14.4M |
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 22396) · FFIEC NIC profile (RSSD 428060)