Titan Bank, N.A.: 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 Cash and noninterest-bearing balances to assets: 2.88 percentage points higher than in Q1 2026, at 38.07%. Within Texas, Titan Bank, N.A. is 266th of 346 on loan-to-deposit ratio, 54.39% as of Q2 2026, below the middle of the field. Titan Bank, N.A. reported 54.39% on loan-to-deposit ratio for Q2 2026, 26.45 points below 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 | $341.1M |
| Cash and noninterest-bearing balances to assets | 38.07% |
| Cash and securities | $457.1M |
| 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 | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.39% |
| Net loans and leases to deposits | 53.74% |
| Loans and leases to core deposits | 54.39% |
| Core deposits to total deposits | 99.73% |
| Brokered deposits to total deposits | 0.27% |
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 | 54.42% | 85.31% | $0 | $250K |
| Q4 2023 | 61.69% | 98.03% | $0 | $250K |
| Q1 2024 | 50.85% | 79.49% | $0 | $250K |
| Q2 2024 | 54.91% | 83.21% | $0 | $250K |
| Q3 2024 | 48.20% | 89.52% | $0 | $434K |
| Q4 2024 | 74.78% | 99.42% | $0 | $776K |
| Q1 2025 | 47.98% | 88.33% | $0 | $942K |
| Q2 2025 | 59.50% | 98.07% | $0 | $970K |
| Q3 2025 | 59.93% | 99.66% | $0 | $939K |
| Q4 2025 | 70.06% | 92.75% | $7.9M | $87.2M |
| Q1 2026 | 55.62% | 99.74% | $0 | $1.1M |
| Q2 2026 | 54.39% | 99.73% | $0 | $1.1M |
Titan Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Titan Bank, N.A., 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 Titan Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3225) · FFIEC NIC profile (RSSD 328357)