Inwood 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 3.76 percentage points in Q2 2026, from 68.67% to 72.43%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Inwood National Bank is 200th of 346 on loan-to-deposit ratio, 67.74% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Inwood National Bank sits 20.46 points lower, at 67.74% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $425.2M |
| Cash and noninterest-bearing balances to assets | 9.98% |
| Cash and securities | $1.72B |
| 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 | $89.0M |
| 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 | 67.74% |
| Net loans and leases to deposits | 67.15% |
| Loans and leases to core deposits | 72.43% |
| Core deposits to total deposits | 93.52% |
| 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 | 69.44% | 92.42% | $98.8M | $290.0M |
| Q4 2023 | 69.46% | 92.53% | $97.6M | $240.9M |
| Q1 2024 | 69.82% | 92.65% | $90.6M | $350.0M |
| Q2 2024 | 66.47% | 92.72% | $93.3M | $300.0M |
| Q3 2024 | 64.44% | 92.54% | $106.4M | $250.0M |
| Q4 2024 | 65.29% | 92.45% | $105.8M | $150.0M |
| Q1 2025 | 63.08% | 92.78% | $80.1M | $0 |
| Q2 2025 | 66.33% | 92.79% | $82.1M | $0 |
| Q3 2025 | 63.23% | 93.04% | $81.6M | $0 |
| Q4 2025 | 64.42% | 93.75% | $80.7M | $0 |
| Q1 2026 | 64.57% | 94.04% | $79.4M | $0 |
| Q2 2026 | 67.74% | 93.52% | $89.0M | $0 |
Inwood National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Inwood 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 Inwood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19080) · FFIEC NIC profile (RSSD 913753)