Community 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 0.94 percentage points higher than in Q1 2026, at 72.74%. Community National Bank ranks 176th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 72.74% (Q2 2026). Community National Bank reported 72.74% on loan-to-deposit ratio for Q2 2026, 15.46 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 | $624.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $860.8M |
| 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 | 72.74% |
| Net loans and leases to deposits | 71.53% |
| Loans and leases to core deposits | 77.01% |
| Core deposits to total deposits | 94.45% |
| 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 | 86.67% | 96.99% | $0 | $75.0M |
| Q4 2023 | 77.41% | 91.61% | $0 | $0 |
| Q1 2024 | 76.86% | 92.22% | $0 | $0 |
| Q2 2024 | 77.86% | 89.73% | $0 | $0 |
| Q3 2024 | 77.04% | 89.98% | $0 | $0 |
| Q4 2024 | 75.08% | 90.87% | $0 | $0 |
| Q1 2025 | 74.26% | 91.31% | $0 | $0 |
| Q2 2025 | 77.15% | 91.50% | $0 | $0 |
| Q3 2025 | 82.66% | 93.13% | $0 | $0 |
| Q4 2025 | 72.20% | 94.42% | $0 | $0 |
| Q1 2026 | 71.79% | 94.36% | $0 | $0 |
| Q2 2026 | 72.74% | 94.45% | $0 | $0 |
Community National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24897) · FFIEC NIC profile (RSSD 293053)