The City National Bank of Sulphur Springs: 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: 1.73 percentage points higher than in Q1 2026, at 85.88%. The City National Bank of Sulphur Springs ranks 142nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 78.12% (Q2 2026). The City National Bank of Sulphur Springs reported 78.12% on loan-to-deposit ratio for Q2 2026, 10.09 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 | $81.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $354.2M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 0.12% |
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 | 78.12% |
| Net loans and leases to deposits | 76.96% |
| Loans and leases to core deposits | 85.88% |
| Core deposits to total deposits | 90.95% |
| 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 | 74.51% | 93.22% | $0 | $20.0M |
| Q4 2023 | 79.92% | 92.48% | $0 | $41.8M |
| Q1 2024 | 79.17% | 91.75% | $0 | $51.8M |
| Q2 2024 | 80.61% | 91.97% | $0 | $51.8M |
| Q3 2024 | 80.06% | 91.70% | $160K | $51.8M |
| Q4 2024 | 77.35% | 90.72% | $0 | $30.0M |
| Q1 2025 | 77.63% | 91.18% | $0 | $10.0M |
| Q2 2025 | 75.61% | 90.13% | $0 | $0 |
| Q3 2025 | 76.14% | 89.91% | $0 | $0 |
| Q4 2025 | 77.24% | 90.59% | $0 | $0 |
| Q1 2026 | 76.72% | 91.17% | $0 | $0 |
| Q2 2026 | 78.12% | 90.95% | $0 | $0 |
The City National Bank of Sulphur Springs 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 Sulphur Springs, 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 Sulphur Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5544) · FFIEC NIC profile (RSSD 596062)