TXN 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: 1.23 percentage points lower than in Q1 2026, at 59.55%. TXN Bank ranks 265th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 54.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. TXN Bank sits 25.87 points lower, at 54.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $62.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $275.0M |
| 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 | $1.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.69% |
| Net loans and leases to deposits | 53.97% |
| Loans and leases to core deposits | 59.55% |
| Core deposits to total deposits | 91.83% |
| 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 | 55.16% | 87.87% | $0 | $37.4M |
| Q4 2023 | 54.60% | 88.27% | $0 | $47.4M |
| Q1 2024 | 51.56% | 86.64% | $0 | $62.3M |
| Q2 2024 | 54.03% | 90.65% | $0 | $62.2M |
| Q3 2024 | 56.67% | 92.15% | $0 | $62.2M |
| Q4 2024 | 55.96% | 91.14% | $0 | $17.1M |
| Q1 2025 | 55.45% | 90.39% | $0 | $2.1M |
| Q2 2025 | 56.57% | 90.94% | $0 | $2.0M |
| Q3 2025 | 59.17% | 91.78% | $0 | $2.0M |
| Q4 2025 | 57.77% | 91.80% | $0 | $1.9M |
| Q1 2026 | 55.78% | 91.77% | $0 | $1.9M |
| Q2 2026 | 54.69% | 91.83% | $0 | $1.8M |
TXN Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock TXN 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 TXN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15345) · FFIEC NIC profile (RSSD 77253)