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: 1.78 percentage points lower than in Q1 2026, at 88.52%. Within Texas, Texas National Bank is 186th of 346 on loan-to-deposit ratio, 70.82% as of Q2 2026, below the middle of the field. Texas National Bank reported 70.82% on loan-to-deposit ratio for Q2 2026, 17.38 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $98.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $356.6M |
| Fed funds sold and reverse repos | $4.8M |
| Fed funds sold and reverse repos to assets | 0.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $23.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.82% |
| Net loans and leases to deposits | 69.84% |
| Loans and leases to core deposits | 88.52% |
| Core deposits to total deposits | 79.93% |
| Brokered deposits to total deposits | 0.08% |
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 | 72.93% | 85.77% | $0 | $76.3M |
| Q4 2023 | 74.21% | 84.11% | $0 | $75.8M |
| Q1 2024 | 78.17% | 82.34% | $0 | $102.9M |
| Q2 2024 | 75.22% | 81.64% | $0 | $26.0M |
| Q3 2024 | 80.76% | 81.91% | $0 | $40.7M |
| Q4 2024 | 78.09% | 83.86% | $0 | $55.5M |
| Q1 2025 | 76.36% | 82.15% | $0 | $25.2M |
| Q2 2025 | 78.78% | 80.95% | $0 | $24.9M |
| Q3 2025 | 75.75% | 82.05% | $0 | $24.6M |
| Q4 2025 | 73.06% | 79.88% | $0 | $49.3M |
| Q1 2026 | 72.16% | 79.82% | $0 | $24.0M |
| Q2 2026 | 70.82% | 79.93% | $0 | $23.7M |
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 3337) · FFIEC NIC profile (RSSD 497954)