National Bank & Trust: 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.
Other borrowed money dropped 15.7% in Q2 2026, from $19.6M to $16.5M. It was the largest change from Q1 2026 among the key lines here. National Bank & Trust ranks 214th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 66.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. National Bank & Trust sits 14.84 points lower, at 66.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.0M |
| 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 | $16.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.00% |
| Net loans and leases to deposits | 65.22% |
| Loans and leases to core deposits | 72.30% |
| Core deposits to total deposits | 91.29% |
| 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 | 73.07% | 93.89% | $0 | $32.4M |
| Q4 2023 | 72.52% | 94.14% | $0 | $37.3M |
| Q1 2024 | 70.00% | 94.22% | $0 | $29.7M |
| Q2 2024 | 67.67% | 93.50% | $0 | $25.2M |
| Q3 2024 | 66.95% | 94.04% | $0 | $20.6M |
| Q4 2024 | 65.48% | 94.00% | $0 | $12.0M |
| Q1 2025 | 70.40% | 93.63% | $0 | $23.4M |
| Q2 2025 | 71.06% | 93.01% | $0 | $23.3M |
| Q3 2025 | 68.98% | 91.98% | $0 | $21.7M |
| Q4 2025 | 67.59% | 92.17% | $0 | $21.7M |
| Q1 2026 | 66.53% | 91.70% | $0 | $19.6M |
| Q2 2026 | 66.00% | 91.29% | $0 | $16.5M |
National Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank & Trust, 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 National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3289) · FFIEC NIC profile (RSSD 792659)