West 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 Cash and noninterest-bearing balances to assets: 4.55 percentage points higher than in Q1 2026, at 22.53%. West Texas National Bank ranks 251st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 58.58% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. West Texas National Bank sits 29.62 points lower, at 58.58% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $649.1M |
| Cash and noninterest-bearing balances to assets | 22.53% |
| Cash and securities | $1.31B |
| 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 | 58.58% |
| Net loans and leases to deposits | 57.44% |
| Loans and leases to core deposits | 61.54% |
| Core deposits to total deposits | 95.20% |
| 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 | 72.79% | 94.88% | $0 | $175.0M |
| Q4 2023 | 61.32% | 95.53% | $0 | $20.0M |
| Q1 2024 | 63.18% | 96.78% | $0 | $0 |
| Q2 2024 | 67.06% | 96.44% | $0 | $0 |
| Q3 2024 | 66.48% | 96.08% | $0 | $0 |
| Q4 2024 | 57.21% | 96.46% | $0 | $0 |
| Q1 2025 | 53.56% | 96.39% | $0 | $0 |
| Q2 2025 | 61.76% | 96.26% | $0 | $0 |
| Q3 2025 | 63.60% | 96.58% | $0 | $0 |
| Q4 2025 | 61.80% | 95.75% | $0 | $0 |
| Q1 2026 | 62.52% | 95.36% | $0 | $0 |
| Q2 2026 | 58.58% | 95.20% | $0 | $0 |
West 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 West 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 West Texas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22957) · FFIEC NIC profile (RSSD 237066)