The City National Bank of San Saba: 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.
Fed funds sold and reverse repos dropped 22.2% in Q2 2026, from $9.0M to $7.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The City National Bank of San Saba is 5th from the bottom among 346 Texas banks, 11.06% (Q2 2026). The City National Bank of San Saba's loan-to-deposit ratio of 11.06% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 56.57 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.3M |
| Fed funds sold and reverse repos | $7.0M |
| Fed funds sold and reverse repos to assets | 8.75% |
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 | 11.06% |
| Net loans and leases to deposits | 10.63% |
| Loans and leases to core deposits | 11.31% |
| Core deposits to total deposits | 97.81% |
| 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 | 10.63% | 97.55% | $0 | $0 |
| Q4 2023 | 10.84% | 97.39% | $0 | $0 |
| Q1 2024 | 8.84% | 97.52% | $0 | $0 |
| Q2 2024 | 9.41% | 97.24% | $0 | $0 |
| Q3 2024 | 12.54% | 97.03% | $0 | $0 |
| Q4 2024 | 13.27% | 96.95% | $0 | $0 |
| Q1 2025 | 11.99% | 96.53% | $0 | $0 |
| Q2 2025 | 12.06% | 97.07% | $0 | $0 |
| Q3 2025 | 12.24% | 97.96% | $0 | $0 |
| Q4 2025 | 11.84% | 98.00% | $0 | $0 |
| Q1 2026 | 11.15% | 97.55% | $0 | $0 |
| Q2 2026 | 11.06% | 97.81% | $0 | $0 |
The City National Bank of San Saba liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of San Saba, 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 The City National Bank of San Saba profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5518) · FFIEC NIC profile (RSSD 714165)