American State 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.
Loans and leases to core deposits climbed 3.69 percentage points in Q2 2026, from 86.63% to 90.33%. It was the largest change from Q1 2026 among the key lines here. American State Bank ranks 87th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 85.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American State Bank sits 4.59 points higher, at 85.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $111.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.0M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.14% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.43% |
| Net loans and leases to deposits | 84.41% |
| Loans and leases to core deposits | 90.33% |
| Core deposits to total deposits | 89.32% |
| Brokered deposits to total deposits | 5.26% |
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 | 91.20% | 88.12% | $0 | $35.0M |
| Q4 2023 | 91.22% | 89.56% | $0 | $35.0M |
| Q1 2024 | 86.94% | 89.79% | $0 | $20.0M |
| Q2 2024 | 87.59% | 88.38% | $0 | $35.0M |
| Q3 2024 | 86.42% | 88.50% | $0 | $35.0M |
| Q4 2024 | 90.17% | 89.68% | $0 | $35.0M |
| Q1 2025 | 91.14% | 87.83% | $0 | $35.0M |
| Q2 2025 | 90.83% | 87.65% | $0 | $35.0M |
| Q3 2025 | 89.35% | 89.18% | $0 | $35.0M |
| Q4 2025 | 87.34% | 91.09% | $0 | $35.0M |
| Q1 2026 | 82.14% | 90.99% | $0 | $20.0M |
| Q2 2026 | 85.43% | 89.32% | $0 | $20.0M |
American State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American State 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 American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9967) · FFIEC NIC profile (RSSD 262358)