Texas 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.41 percentage points higher than in Q1 2026, at 35.99%. Texas National Bank has the 32nd lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 33.57% as of Q2 2026. Texas National Bank's loan-to-deposit ratio of 33.57% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 47.27 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.1M |
| 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 | $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 | 33.57% |
| Net loans and leases to deposits | 33.10% |
| Loans and leases to core deposits | 35.99% |
| Core deposits to total deposits | 93.28% |
| 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 | 28.04% | 95.87% | $0 | $30.0M |
| Q4 2023 | 26.75% | 95.83% | $0 | $30.0M |
| Q1 2024 | 27.42% | 95.18% | $0 | $30.0M |
| Q2 2024 | 31.57% | 94.93% | $0 | $14.0M |
| Q3 2024 | 30.46% | 94.67% | $0 | $12.5M |
| Q4 2024 | 29.86% | 94.16% | $0 | $9.0M |
| Q1 2025 | 26.43% | 94.37% | $0 | $0 |
| Q2 2025 | 27.98% | 93.98% | $0 | $0 |
| Q3 2025 | 28.17% | 94.10% | $0 | $0 |
| Q4 2025 | 28.46% | 94.01% | $0 | $0 |
| Q1 2026 | 28.64% | 93.65% | $0 | $0 |
| Q2 2026 | 33.57% | 93.28% | $0 | $0 |
Texas 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 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34014) · FFIEC NIC profile (RSSD 1435092)