Bank of Desoto, 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.
Loans and leases to core deposits dropped 1.31 percentage points in Q2 2026, from 86.01% to 84.70%. It was the largest change from Q1 2026 among the key lines here. Bank of Desoto, N.A. ranks 221st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 64.22% (Q2 2026). Bank of Desoto, N.A. reported 64.22% on loan-to-deposit ratio for Q2 2026, 16.62 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 | $83.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.9M |
| 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 | $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 | 64.22% |
| Net loans and leases to deposits | 63.58% |
| Loans and leases to core deposits | 84.70% |
| Core deposits to total deposits | 75.81% |
| 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 | 79.92% | 88.37% | $0 | $0 |
| Q4 2023 | 79.85% | 86.91% | $0 | $0 |
| Q1 2024 | 80.59% | 85.81% | $0 | $0 |
| Q2 2024 | 79.79% | 85.22% | $0 | $0 |
| Q3 2024 | 71.43% | 83.83% | $0 | $0 |
| Q4 2024 | 70.42% | 79.00% | $0 | $0 |
| Q1 2025 | 68.46% | 78.87% | $0 | $0 |
| Q2 2025 | 65.01% | 79.15% | $0 | $0 |
| Q3 2025 | 67.41% | 77.16% | $0 | $0 |
| Q4 2025 | 65.03% | 76.12% | $0 | $0 |
| Q1 2026 | 64.88% | 75.43% | $0 | $0 |
| Q2 2026 | 64.22% | 75.81% | $0 | $0 |
Bank of Desoto, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Desoto, 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 Bank of Desoto, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26542) · FFIEC NIC profile (RSSD 638355)