Atascosa 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 Loans and leases to core deposits: 0.95 percentage points higher than in Q1 2026, at 31.98%. Atascosa Bank has the 23rd lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 29.09% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Atascosa Bank reported 29.09% on loan-to-deposit ratio in Q2 2026, 38.54 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.2M |
| 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 | 29.09% |
| Net loans and leases to deposits | 28.59% |
| Loans and leases to core deposits | 31.98% |
| Core deposits to total deposits | 90.94% |
| 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 | 19.94% | 94.33% | $0 | $0 |
| Q4 2023 | 20.59% | 94.20% | $0 | $0 |
| Q1 2024 | 21.32% | 94.12% | $0 | $0 |
| Q2 2024 | 23.99% | 93.78% | $0 | $0 |
| Q3 2024 | 24.67% | 92.88% | $0 | $0 |
| Q4 2024 | 24.20% | 92.97% | $0 | $0 |
| Q1 2025 | 25.91% | 92.81% | $0 | $0 |
| Q2 2025 | 29.52% | 92.89% | $0 | $0 |
| Q3 2025 | 28.24% | 91.76% | $0 | $0 |
| Q4 2025 | 27.92% | 91.80% | $0 | $0 |
| Q1 2026 | 28.35% | 91.34% | $0 | $0 |
| Q2 2026 | 29.09% | 90.94% | $0 | $0 |
Atascosa Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Atascosa 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 Atascosa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24064) · FFIEC NIC profile (RSSD 851060)