Austin Capital Bank SSB: 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 Cash and balances due from depository institutions: 68.6% higher than in Q1 2026, at $26.5M. Among 346 Texas banks, Austin Capital Bank SSB sits 3rd from the top on loan-to-deposit ratio, 110.64% as of Q2 2026. Austin Capital Bank SSB reported 110.64% on loan-to-deposit ratio for Q2 2026, 29.80 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.8M |
| 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 | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.64% |
| Net loans and leases to deposits | 110.12% |
| Loans and leases to core deposits | 118.79% |
| Core deposits to total deposits | 93.14% |
| Brokered deposits to total deposits | 4.86% |
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 | 101.05% | 94.62% | $0 | $10.2M |
| Q4 2023 | 96.45% | 91.81% | $0 | $10.2M |
| Q1 2024 | 99.93% | 91.26% | $0 | $15.0M |
| Q2 2024 | 101.03% | 89.36% | $0 | $22.0M |
| Q3 2024 | 105.66% | 89.45% | $0 | $40.0M |
| Q4 2024 | 108.02% | 90.09% | $0 | $53.0M |
| Q1 2025 | 107.10% | 89.50% | $0 | $45.0M |
| Q2 2025 | 102.20% | 90.46% | $0 | $30.0M |
| Q3 2025 | 108.82% | 94.82% | $0 | $50.0M |
| Q4 2025 | 109.67% | 92.83% | $0 | $50.0M |
| Q1 2026 | 112.96% | 92.57% | $0 | $40.0M |
| Q2 2026 | 110.64% | 93.14% | $0 | $40.0M |
Austin Capital Bank SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin Capital Bank SSB, 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 Capital Bank SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58082) · FFIEC NIC profile (RSSD 3347911)