The Bank of Houston: 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 Other borrowed money: 50.0% higher than in Q1 2026, at $6.0M. Among 192 Missouri banks, The Bank of Houston sits 11th from the top on loan-to-deposit ratio, 107.17% as of Q2 2026. The Bank of Houston's loan-to-deposit ratio of 107.17% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 39.55 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.5M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 3.48% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.17% |
| Net loans and leases to deposits | 103.56% |
| Loans and leases to core deposits | 115.43% |
| Core deposits to total deposits | 84.06% |
| Brokered deposits to total deposits | 8.79% |
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 | 114.71% | 84.04% | $0 | $5.5M |
| Q4 2023 | 119.81% | 84.12% | $0 | $10.0M |
| Q1 2024 | 108.94% | 83.90% | $0 | $10.0M |
| Q2 2024 | 108.46% | 83.24% | $0 | $10.0M |
| Q3 2024 | 107.74% | 83.56% | $0 | $10.0M |
| Q4 2024 | 107.17% | 83.61% | $0 | $10.0M |
| Q1 2025 | 100.46% | 85.89% | $0 | $6.0M |
| Q2 2025 | 108.21% | 86.05% | $0 | $7.0M |
| Q3 2025 | 100.40% | 85.25% | $0 | $7.0M |
| Q4 2025 | 103.95% | 83.47% | $0 | $4.0M |
| Q1 2026 | 106.15% | 84.18% | $0 | $4.0M |
| Q2 2026 | 107.17% | 84.06% | $0 | $6.0M |
The Bank of Houston liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Houston, 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 of Houston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13960) · FFIEC NIC profile (RSSD 848453)