Austin Bank, Texas N.A.: 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: 2.58 percentage points lower than in Q1 2026, at 97.87%. Within Texas, Austin Bank, Texas N.A. is 55th of 346 on loan-to-deposit ratio, 89.32% as of Q2 2026, above the middle of the field. At 89.32%, Austin Bank, Texas N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $260.7M |
| Cash and noninterest-bearing balances to assets | 7.83% |
| Cash and securities | $727.4M |
| 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 | 89.32% |
| Net loans and leases to deposits | 88.01% |
| Loans and leases to core deposits | 97.87% |
| Core deposits to total deposits | 91.26% |
| 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 | 94.42% | 93.50% | $69.3M | $60.0M |
| Q4 2023 | 97.06% | 92.97% | $63.2M | $0 |
| Q1 2024 | 94.34% | 92.27% | $56.7M | $0 |
| Q2 2024 | 96.44% | 91.58% | $35.1M | $0 |
| Q3 2024 | 94.42% | 90.84% | $25.4M | $0 |
| Q4 2024 | 95.29% | 91.00% | $0 | $0 |
| Q1 2025 | 92.49% | 90.13% | $0 | $0 |
| Q2 2025 | 93.54% | 90.13% | $0 | $0 |
| Q3 2025 | 92.32% | 90.40% | $0 | $0 |
| Q4 2025 | 93.41% | 90.12% | $0 | $0 |
| Q1 2026 | 91.23% | 90.82% | $0 | $0 |
| Q2 2026 | 89.32% | 91.26% | $0 | $0 |
Austin Bank, Texas N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin Bank, Texas N.A., 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 Austin Bank, Texas N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3276) · FFIEC NIC profile (RSSD 548351)