City 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.
Loans and leases to core deposits climbed 6.76 percentage points in Q2 2026, from 89.52% to 96.29%. It was the largest change from Q1 2026 among the key lines here. Within Texas, City National Bank is 119th of 346 on loan-to-deposit ratio, 81.71% as of Q2 2026, above the middle of the field. City National Bank reported 81.71% on loan-to-deposit ratio for Q2 2026, 14.09 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.5M |
| 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 | $324K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.71% |
| Net loans and leases to deposits | 80.60% |
| Loans and leases to core deposits | 96.29% |
| Core deposits to total deposits | 84.86% |
| 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 | 86.37% | 91.80% | $0 | $4.5M |
| Q4 2023 | 88.63% | 88.91% | $5.5M | $4.4M |
| Q1 2024 | 88.06% | 87.80% | $0 | $4.4M |
| Q2 2024 | 83.22% | 87.22% | $0 | $4.4M |
| Q3 2024 | 80.54% | 87.46% | $0 | $4.4M |
| Q4 2024 | 81.82% | 87.14% | $0 | $395K |
| Q1 2025 | 82.04% | 88.45% | $0 | $383K |
| Q2 2025 | 78.56% | 87.09% | $0 | $372K |
| Q3 2025 | 77.83% | 87.08% | $0 | $360K |
| Q4 2025 | 75.18% | 86.31% | $0 | $348K |
| Q1 2026 | 76.95% | 85.95% | $0 | $336K |
| Q2 2026 | 81.71% | 84.86% | $0 | $324K |
City National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock City 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 City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24367) · FFIEC NIC profile (RSSD 697950)