The Commercial National Bank of Brady: 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 Core deposits to total deposits: 0.84 percentage points higher than in Q1 2026, at 85.25%. The Commercial National Bank of Brady ranks 52nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 90.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Commercial National Bank of Brady sits 9.46 points higher, at 90.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.6M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.30% |
| Net loans and leases to deposits | 89.26% |
| Loans and leases to core deposits | 98.05% |
| Core deposits to total deposits | 85.25% |
| Brokered deposits to total deposits | 6.85% |
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 | 79.45% | 94.86% | $0 | $0 |
| Q4 2023 | 83.98% | 93.90% | $0 | $15.0M |
| Q1 2024 | 86.17% | 92.14% | $0 | $10.0M |
| Q2 2024 | 78.97% | 92.78% | $0 | $10.0M |
| Q3 2024 | 83.83% | 92.09% | $0 | $0 |
| Q4 2024 | 84.68% | 92.30% | $0 | $0 |
| Q1 2025 | 87.69% | 92.50% | $0 | $0 |
| Q2 2025 | 96.25% | 92.48% | $0 | $35.0M |
| Q3 2025 | 108.43% | 91.67% | $0 | $54.0M |
| Q4 2025 | 99.15% | 83.80% | $0 | $30.0M |
| Q1 2026 | 89.69% | 84.40% | $0 | $20.0M |
| Q2 2026 | 90.30% | 85.25% | $0 | $20.0M |
The Commercial National Bank of Brady liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial National Bank of Brady, 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 Commercial National Bank of Brady profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3110) · FFIEC NIC profile (RSSD 42354)