Alliance 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.
Net loans and leases to deposits climbed 1.26 percentage points in Q2 2026, from 65.65% to 66.91%. It was the largest change from Q1 2026 among the key lines here. Alliance Bank ranks 199th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 67.71% (Q2 2026). Alliance Bank reported 67.71% on loan-to-deposit ratio for Q2 2026, 20.49 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $201.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $509.3M |
| 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 | $49.5M |
| 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 | 67.71% |
| Net loans and leases to deposits | 66.91% |
| Loans and leases to core deposits | 70.80% |
| Core deposits to total deposits | 95.63% |
| 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 | 71.90% | 97.39% | $43.0M | $50.0M |
| Q4 2023 | 71.01% | 97.28% | $43.6M | $0 |
| Q1 2024 | 71.37% | 97.09% | $45.2M | $25.0M |
| Q2 2024 | 71.49% | 95.67% | $45.6M | $27.1M |
| Q3 2024 | 69.40% | 92.62% | $47.1M | $0 |
| Q4 2024 | 69.26% | 93.29% | $47.5M | $0 |
| Q1 2025 | 65.57% | 93.44% | $48.5M | $0 |
| Q2 2025 | 66.34% | 93.22% | $48.6M | $0 |
| Q3 2025 | 68.53% | 95.58% | $48.2M | $0 |
| Q4 2025 | 66.90% | 95.73% | $49.0M | $0 |
| Q1 2026 | 66.47% | 95.54% | $48.5M | $0 |
| Q2 2026 | 67.71% | 95.63% | $49.5M | $0 |
Alliance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11569) · FFIEC NIC profile (RSSD 176464)