Texas Heritage 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.
Brokered deposits to total deposits climbed 18.85 percentage points in Q2 2026, from 17.12% to 35.98%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Texas Heritage National Bank ranks 19th highest among the 346 banks headquartered in Texas, at 98.96% (Q2 2026). Texas Heritage National Bank reported 98.96% on loan-to-deposit ratio for Q2 2026, 18.13 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 | $112.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.3M |
| Fed funds sold and reverse repos | $70.5M |
| Fed funds sold and reverse repos to assets | 7.53% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.96% |
| Net loans and leases to deposits | 97.70% |
| Loans and leases to core deposits | 117.86% |
| Core deposits to total deposits | 66.34% |
| Brokered deposits to total deposits | 35.98% |
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 | 94.66% | 89.57% | $0 | $46.9M |
| Q4 2023 | 103.57% | 82.11% | $0 | $58.8M |
| Q1 2024 | 100.46% | 77.00% | $0 | $46.7M |
| Q2 2024 | 102.76% | 73.71% | $0 | $41.6M |
| Q3 2024 | 90.81% | 77.67% | $0 | $41.6M |
| Q4 2024 | 101.86% | 56.13% | $0 | $47.5M |
| Q1 2025 | 101.32% | 55.12% | $0 | $28.9M |
| Q2 2025 | 99.65% | 52.58% | $0 | $21.3M |
| Q3 2025 | 101.43% | 50.92% | $0 | $37.2M |
| Q4 2025 | 102.30% | 65.43% | $0 | $62.1M |
| Q1 2026 | 100.01% | 64.18% | $0 | $49.5M |
| Q2 2026 | 98.96% | 66.34% | $0 | $25.0M |
Texas Heritage National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Heritage 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 Texas Heritage National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3161) · FFIEC NIC profile (RSSD 824653)