City 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 Loans and leases to core deposits: 5.44 percentage points higher than in Q1 2026, at 84.99%. Within Texas, City Bank is 128th of 346 on loan-to-deposit ratio, 80.12% as of Q2 2026, above the middle of the field. City Bank reported 80.12% on loan-to-deposit ratio for Q2 2026, 8.08 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $787.4M |
| Cash and noninterest-bearing balances to assets | 14.61% |
| Cash and securities | $1.34B |
| 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 | 80.12% |
| Net loans and leases to deposits | 79.00% |
| Loans and leases to core deposits | 84.99% |
| Core deposits to total deposits | 88.79% |
| Brokered deposits to total deposits | 5.49% |
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 | 81.24% | 90.57% | $0 | $0 |
| Q4 2023 | 81.56% | 90.14% | $0 | $0 |
| Q1 2024 | 81.17% | 89.78% | $0 | $0 |
| Q2 2024 | 83.63% | 89.37% | $0 | $0 |
| Q3 2024 | 79.84% | 89.31% | $0 | $0 |
| Q4 2024 | 82.55% | 89.14% | $0 | $0 |
| Q1 2025 | 79.25% | 89.58% | $0 | $0 |
| Q2 2025 | 80.89% | 89.65% | $1.4M | $0 |
| Q3 2025 | 77.59% | 89.88% | $0 | $0 |
| Q4 2025 | 79.78% | 89.81% | $0 | $0 |
| Q1 2026 | 75.81% | 90.16% | $0 | $0 |
| Q2 2026 | 80.12% | 88.79% | $0 | $0 |
City Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25103) · FFIEC NIC profile (RSSD 575254)