Austin County 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.86 percentage points lower than in Q1 2026, at 85.56%. Austin County State Bank ranks 129th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 79.94% (Q2 2026). At 79.94%, Austin County State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $138.9M |
| 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 | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.94% |
| Net loans and leases to deposits | 78.51% |
| Loans and leases to core deposits | 93.44% |
| Core deposits to total deposits | 85.56% |
| 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 | 90.11% | 81.83% | $0 | $2.8M |
| Q4 2023 | 93.10% | 79.99% | $0 | $2.7M |
| Q1 2024 | 85.42% | 77.32% | $0 | $2.6M |
| Q2 2024 | 88.63% | 77.81% | $0 | $2.5M |
| Q3 2024 | 91.18% | 75.89% | $0 | $2.4M |
| Q4 2024 | 88.74% | 78.62% | $0 | $2.3M |
| Q1 2025 | 87.31% | 87.15% | $0 | $2.2M |
| Q2 2025 | 88.31% | 86.73% | $0 | $2.2M |
| Q3 2025 | 89.37% | 86.07% | $0 | $2.1M |
| Q4 2025 | 85.91% | 86.79% | $0 | $2.0M |
| Q1 2026 | 80.23% | 87.41% | $0 | $1.1M |
| Q2 2026 | 79.94% | 85.56% | $0 | $1.0M |
Austin County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin County 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 Austin County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58484) · FFIEC NIC profile (RSSD 3463875)