The Bank and Trust, 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.
Loans and leases to core deposits climbed 2.56 percentage points in Q2 2026, from 76.77% to 79.33%. It was the largest change from Q1 2026 among the key lines here. The Bank and Trust, SSB ranks 158th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 75.11% (Q2 2026). The Bank and Trust, SSB reported 75.11% on loan-to-deposit ratio for Q2 2026, 5.73 points below 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 | $21.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $154.5M |
| 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 | 75.11% |
| Net loans and leases to deposits | 74.26% |
| Loans and leases to core deposits | 79.33% |
| Core deposits to total deposits | 94.68% |
| 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 | 66.59% | 95.26% | $0 | $0 |
| Q4 2023 | 68.95% | 94.89% | $0 | $0 |
| Q1 2024 | 69.49% | 94.19% | $0 | $0 |
| Q2 2024 | 72.14% | 94.74% | $0 | $0 |
| Q3 2024 | 73.80% | 94.18% | $0 | $0 |
| Q4 2024 | 72.40% | 94.54% | $0 | $0 |
| Q1 2025 | 69.03% | 93.75% | $0 | $0 |
| Q2 2025 | 69.24% | 94.67% | $0 | $0 |
| Q3 2025 | 68.74% | 94.47% | $0 | $0 |
| Q4 2025 | 70.24% | 94.79% | $0 | $0 |
| Q1 2026 | 72.84% | 94.89% | $0 | $0 |
| Q2 2026 | 75.11% | 94.68% | $0 | $0 |
The Bank and Trust, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank and Trust, 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 The Bank and Trust, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1184) · FFIEC NIC profile (RSSD 623454)