Trinity 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 Loans and leases to core deposits: 6.30 percentage points higher than in Q1 2026, at 87.99%. Trinity Bank, N.A. ranks 161st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 74.56% (Q2 2026). Trinity Bank, N.A. reported 74.56% on loan-to-deposit ratio for Q2 2026, 6.27 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 | $46.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $184.6M |
| 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 | 74.56% |
| Net loans and leases to deposits | 73.43% |
| Loans and leases to core deposits | 87.99% |
| Core deposits to total deposits | 83.72% |
| Brokered deposits to total deposits | 1.02% |
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 | 72.04% | 85.13% | $0 | $0 |
| Q4 2023 | 68.82% | 84.61% | $0 | $0 |
| Q1 2024 | 70.71% | 84.42% | $0 | $0 |
| Q2 2024 | 74.48% | 83.25% | $0 | $0 |
| Q3 2024 | 67.08% | 82.00% | $0 | $0 |
| Q4 2024 | 65.77% | 82.84% | $0 | $0 |
| Q1 2025 | 64.91% | 83.35% | $0 | $0 |
| Q2 2025 | 70.07% | 81.24% | $0 | $0 |
| Q3 2025 | 69.23% | 80.40% | $0 | $0 |
| Q4 2025 | 71.06% | 80.33% | $0 | $0 |
| Q1 2026 | 70.03% | 82.68% | $0 | $0 |
| Q2 2026 | 74.56% | 83.72% | $0 | $0 |
Trinity 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 Trinity 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 Trinity Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57543) · FFIEC NIC profile (RSSD 3185896)