Citizens National Bank of Texas: 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 securities climbed 52.5% in Q2 2026, from $110.7M to $168.9M. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, Citizens National Bank of Texas sits 10th from the top on loan-to-deposit ratio, 102.35% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens National Bank of Texas sits 14.15 points higher, at 102.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $145.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $168.9M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $23.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.35% |
| Net loans and leases to deposits | 101.25% |
| Loans and leases to core deposits | 109.51% |
| Core deposits to total deposits | 86.42% |
| Brokered deposits to total deposits | 7.04% |
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 | 89.26% | 98.57% | $0 | $0 |
| Q4 2023 | 97.52% | 98.56% | $0 | $0 |
| Q1 2024 | 93.72% | 90.74% | $0 | $0 |
| Q2 2024 | 89.83% | 89.32% | $0 | $0 |
| Q3 2024 | 92.45% | 88.84% | $0 | $0 |
| Q4 2024 | 96.54% | 88.69% | $0 | $0 |
| Q1 2025 | 99.50% | 92.57% | $0 | $0 |
| Q2 2025 | 99.08% | 89.59% | $0 | $0 |
| Q3 2025 | 97.54% | 90.34% | $0 | $0 |
| Q4 2025 | 102.19% | 87.65% | $0 | $25.0M |
| Q1 2026 | 105.72% | 86.95% | $0 | $24.2M |
| Q2 2026 | 102.35% | 86.42% | $0 | $23.1M |
Citizens National Bank of Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank of Texas, 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 Citizens National Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5574) · FFIEC NIC profile (RSSD 552161)