The Mint 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 4.53 percentage points in Q2 2026, from 136.09% to 140.62%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, The Mint National Bank sits 9th from the top on loan-to-deposit ratio, 103.48% as of Q2 2026. The Mint National Bank reported 103.48% on loan-to-deposit ratio for Q2 2026, 22.64 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $61.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $61.8M |
| Fed funds sold and reverse repos | $11.7M |
| Fed funds sold and reverse repos to assets | 3.00% |
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 | 103.48% |
| Net loans and leases to deposits | 100.82% |
| Loans and leases to core deposits | 140.62% |
| Core deposits to total deposits | 73.59% |
| 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 | 91.56% | 83.02% | $0 | $0 |
| Q4 2023 | 98.11% | 80.91% | $0 | $0 |
| Q1 2024 | 93.06% | 78.99% | $0 | $0 |
| Q2 2024 | 95.05% | 77.46% | $0 | $0 |
| Q3 2024 | 95.64% | 76.55% | $0 | $0 |
| Q4 2024 | 94.84% | 78.28% | $0 | $0 |
| Q1 2025 | 96.69% | 77.31% | $0 | $0 |
| Q2 2025 | 99.89% | 75.55% | $0 | $0 |
| Q3 2025 | 100.75% | 75.84% | $0 | $0 |
| Q4 2025 | 101.62% | 74.96% | $0 | $0 |
| Q1 2026 | 101.11% | 74.29% | $0 | $0 |
| Q2 2026 | 103.48% | 73.59% | $0 | $0 |
The Mint National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Mint 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 The Mint National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58764) · FFIEC NIC profile (RSSD 3821626)