Kress 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 Cash and balances due from depository institutions: 23.9% lower than in Q1 2026, at $22.7M. On loan-to-deposit ratio, Kress National Bank is 19th from the bottom among 346 Texas banks, 26.47% (Q2 2026). Kress National Bank's loan-to-deposit ratio of 26.47% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 41.15 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.0M |
| 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 | 26.47% |
| Net loans and leases to deposits | 25.80% |
| Loans and leases to core deposits | 32.44% |
| Core deposits to total deposits | 81.62% |
| 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 | 35.37% | 94.35% | $0 | $0 |
| Q4 2023 | 30.64% | 94.07% | $0 | $0 |
| Q1 2024 | 33.59% | 94.33% | $0 | $0 |
| Q2 2024 | 39.32% | 93.73% | $0 | $0 |
| Q3 2024 | 43.97% | 92.05% | $0 | $0 |
| Q4 2024 | 43.34% | 91.47% | $0 | $0 |
| Q1 2025 | 33.98% | 86.48% | $0 | $0 |
| Q2 2025 | 37.83% | 85.96% | $0 | $0 |
| Q3 2025 | 35.40% | 87.09% | $0 | $0 |
| Q4 2025 | 29.02% | 80.79% | $0 | $0 |
| Q1 2026 | 25.49% | 82.66% | $0 | $0 |
| Q2 2026 | 26.47% | 81.62% | $0 | $0 |
Kress National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kress 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 Kress National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18892) · FFIEC NIC profile (RSSD 995955)