North Dallas Bank & Trust Co.: 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.
Fed funds purchased and repos dropped 32.3% in Q2 2026, from $1.1M to $721K. It was the largest change from Q1 2026 among the key lines here. Within Texas, North Dallas Bank & Trust Co. is 125th of 346 on loan-to-deposit ratio, 80.80% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. North Dallas Bank & Trust Co. sits 7.40 points lower, at 80.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $226.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $464.7M |
| 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 | $721K |
| Other borrowed money | $54.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.80% |
| Net loans and leases to deposits | 79.52% |
| Loans and leases to core deposits | 91.95% |
| Core deposits to total deposits | 87.87% |
| 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 | 77.18% | 89.21% | $3.0M | $85.0M |
| Q4 2023 | 80.41% | 88.50% | $1.1M | $117.0M |
| Q1 2024 | 79.07% | 87.67% | $890K | $142.0M |
| Q2 2024 | 81.99% | 87.30% | $1.0M | $142.0M |
| Q3 2024 | 78.49% | 86.81% | $878K | $142.0M |
| Q4 2024 | 77.05% | 87.09% | $910K | $100.0M |
| Q1 2025 | 77.96% | 87.49% | $1.1M | $100.0M |
| Q2 2025 | 80.17% | 87.07% | $862K | $100.0M |
| Q3 2025 | 80.77% | 87.95% | $793K | $88.0M |
| Q4 2025 | 80.01% | 88.18% | $869K | $76.0M |
| Q1 2026 | 80.62% | 88.16% | $1.1M | $72.0M |
| Q2 2026 | 80.80% | 87.87% | $721K | $54.0M |
North Dallas Bank & Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North Dallas Bank & Trust Co., 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 North Dallas Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18355) · FFIEC NIC profile (RSSD 490450)