Avana 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 Net loans and leases to deposits: 2.00 percentage points lower than in Q1 2026, at 46.34%. Avana Bank ranks 282nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 46.78% (Q2 2026). Avana Bank reported 46.78% on loan-to-deposit ratio for Q2 2026, 20.54 points below the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.0M |
| 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 | $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 | 46.78% |
| Net loans and leases to deposits | 46.34% |
| Loans and leases to core deposits | 50.38% |
| Core deposits to total deposits | 92.85% |
| 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 | 40.18% | 95.38% | $0 | $0 |
| Q4 2023 | 34.16% | 90.31% | $0 | $0 |
| Q1 2024 | 34.14% | 91.32% | $0 | $0 |
| Q2 2024 | 32.13% | 94.08% | $0 | $0 |
| Q3 2024 | 30.80% | 94.24% | $0 | $0 |
| Q4 2024 | 28.61% | 94.27% | $0 | $0 |
| Q1 2025 | 26.93% | 96.31% | $0 | $0 |
| Q2 2025 | 35.53% | 91.69% | $0 | $0 |
| Q3 2025 | 34.61% | 91.47% | $0 | $0 |
| Q4 2025 | 41.83% | 94.62% | $400K | $0 |
| Q1 2026 | 48.77% | 94.42% | $0 | $0 |
| Q2 2026 | 46.78% | 92.85% | $0 | $0 |
Avana Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Avana 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 Avana Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10704) · FFIEC NIC profile (RSSD 498456)