The National Bank of Andrews: 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 dropped 4.46 percentage points in Q2 2026, from 84.62% to 80.15%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The National Bank of Andrews is 162nd of 346 on loan-to-deposit ratio, 74.50% as of Q2 2026, above the middle of the field. The National Bank of Andrews reported 74.50% on loan-to-deposit ratio for Q2 2026, 6.34 points below 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 | $44.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.4M |
| Fed funds sold and reverse repos | $39.9M |
| Fed funds sold and reverse repos to assets | 11.73% |
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 | 74.50% |
| Net loans and leases to deposits | 73.41% |
| Loans and leases to core deposits | 80.15% |
| Core deposits to total deposits | 92.95% |
| 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 | 73.51% | 97.33% | $0 | $0 |
| Q4 2023 | 67.64% | 97.46% | $0 | $0 |
| Q1 2024 | 73.13% | 97.41% | $0 | $0 |
| Q2 2024 | 79.59% | 97.23% | $0 | $0 |
| Q3 2024 | 79.67% | 97.16% | $0 | $0 |
| Q4 2024 | 79.99% | 96.94% | $0 | $0 |
| Q1 2025 | 83.37% | 96.85% | $0 | $0 |
| Q2 2025 | 86.76% | 96.11% | $0 | $0 |
| Q3 2025 | 78.34% | 96.64% | $0 | $0 |
| Q4 2025 | 77.58% | 96.72% | $0 | $0 |
| Q1 2026 | 78.34% | 92.58% | $0 | $0 |
| Q2 2026 | 74.50% | 92.95% | $0 | $0 |
The National Bank of Andrews liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Andrews, 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 National Bank of Andrews profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17603) · FFIEC NIC profile (RSSD 488653)