Moody 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.
Cash and balances due from depository institutions climbed 50.0% in Q2 2026, from $41.1M to $61.6M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Moody National Bank is 78th of 346 on loan-to-deposit ratio, 86.44% as of Q2 2026, above the middle of the field. At 86.44%, Moody National Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $61.6M |
| Cash and noninterest-bearing balances to assets | 3.97% |
| Cash and securities | $372.3M |
| Fed funds sold and reverse repos | $292K |
| Fed funds sold and reverse repos to assets | 0.02% |
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 | 86.44% |
| Net loans and leases to deposits | 85.15% |
| Loans and leases to core deposits | 97.06% |
| Core deposits to total deposits | 87.53% |
| Brokered deposits to total deposits | 1.52% |
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 | 80.79% | 89.96% | $0 | $65.6M |
| Q4 2023 | 79.46% | 88.04% | $0 | $33.0M |
| Q1 2024 | 82.26% | 87.69% | $0 | $45.0M |
| Q2 2024 | 85.28% | 87.91% | $0 | $70.0M |
| Q3 2024 | 79.88% | 88.40% | $0 | $33.0M |
| Q4 2024 | 84.25% | 86.63% | $0 | $11.0M |
| Q1 2025 | 83.23% | 83.16% | $0 | $20.0M |
| Q2 2025 | 83.54% | 84.68% | $0 | $22.0M |
| Q3 2025 | 82.12% | 86.39% | $0 | $0 |
| Q4 2025 | 80.90% | 87.25% | $0 | $0 |
| Q1 2026 | 86.60% | 88.61% | $0 | $0 |
| Q2 2026 | 86.44% | 87.53% | $0 | $0 |
Moody National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Moody 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 Moody National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3210) · FFIEC NIC profile (RSSD 253356)