Woodforest 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.
Cash and balances due from depository institutions dropped 32.3% in Q2 2026, from $874.1M to $591.7M. It was the largest change from Q1 2026 among the key lines here. Woodforest National Bank ranks 180th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 72.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Woodforest National Bank sits 15.89 points lower, at 72.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $591.7M |
| Cash and noninterest-bearing balances to assets | 6.49% |
| Cash and securities | $2.70B |
| Fed funds sold and reverse repos | $9.0M |
| Fed funds sold and reverse repos to assets | 0.10% |
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 | $139K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.31% |
| Net loans and leases to deposits | 71.20% |
| Loans and leases to core deposits | 73.44% |
| Core deposits to total deposits | 98.46% |
| 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 | 82.46% | 99.36% | $0 | $400.0M |
| Q4 2023 | 82.15% | 99.05% | $0 | $100.0M |
| Q1 2024 | 84.53% | 98.72% | $0 | $475.0M |
| Q2 2024 | 83.64% | 98.57% | $0 | $425.0M |
| Q3 2024 | 84.37% | 98.57% | $0 | $425.0M |
| Q4 2024 | 80.52% | 98.75% | $0 | $0 |
| Q1 2025 | 76.31% | 98.70% | $0 | $0 |
| Q2 2025 | 76.00% | 98.37% | $0 | $0 |
| Q3 2025 | 73.39% | 98.10% | $0 | $0 |
| Q4 2025 | 72.65% | 98.07% | $0 | $0 |
| Q1 2026 | 72.41% | 98.34% | $0 | $0 |
| Q2 2026 | 72.31% | 98.46% | $0 | $0 |
Woodforest National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodforest 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 Woodforest National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23220) · FFIEC NIC profile (RSSD 412751)