Alliance Bank Central Texas: 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: 3.55 percentage points higher than in Q1 2026, at 106.25%. Within Texas, Alliance Bank Central Texas is 106th of 346 on loan-to-deposit ratio, 83.60% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Alliance Bank Central Texas sits 4.60 points lower, at 83.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $79.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $376.6M |
| Fed funds sold and reverse repos | $9.6M |
| Fed funds sold and reverse repos to assets | 0.72% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $110.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.60% |
| Net loans and leases to deposits | 82.68% |
| Loans and leases to core deposits | 106.25% |
| Core deposits to total deposits | 72.11% |
| Brokered deposits to total deposits | 6.57% |
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 | 106.48% | 74.22% | $0 | $55.0M |
| Q4 2023 | 98.43% | 75.53% | $0 | $0 |
| Q1 2024 | 95.44% | 71.52% | $0 | $0 |
| Q2 2024 | 102.57% | 69.05% | $0 | $20.0M |
| Q3 2024 | 97.46% | 75.14% | $0 | $0 |
| Q4 2024 | 95.03% | 75.17% | $0 | $18.0M |
| Q1 2025 | 93.96% | 79.96% | $0 | $0 |
| Q2 2025 | 94.34% | 72.79% | $0 | $0 |
| Q3 2025 | 93.53% | 75.55% | $0 | $0 |
| Q4 2025 | 86.09% | 70.43% | $0 | $95.0M |
| Q1 2026 | 81.43% | 72.74% | $0 | $95.0M |
| Q2 2026 | 83.60% | 72.11% | $0 | $110.0M |
Alliance Bank Central Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank Central Texas, 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 Central Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15657) · FFIEC NIC profile (RSSD 601658)