The Bank of San Jacinto County, Coldspring, Texas: 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 Loans and leases to core deposits: 1.66 percentage points higher than in Q1 2026, at 36.00%. On loan-to-deposit ratio, The Bank of San Jacinto County, Coldspring, Texas is 33rd from the bottom among 346 Texas banks, 35.11% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Bank of San Jacinto County, Coldspring, Texas sits 32.52 points lower, at 35.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.1M |
| 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 | 35.11% |
| Net loans and leases to deposits | 34.46% |
| Loans and leases to core deposits | 36.00% |
| Core deposits to total deposits | 97.51% |
| 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 | 27.04% | 96.99% | $0 | $0 |
| Q4 2023 | 29.66% | 97.02% | $0 | $0 |
| Q1 2024 | 31.49% | 96.95% | $0 | $0 |
| Q2 2024 | 31.32% | 97.15% | $0 | $0 |
| Q3 2024 | 32.07% | 97.65% | $0 | $0 |
| Q4 2024 | 32.49% | 98.54% | $0 | $0 |
| Q1 2025 | 30.63% | 98.63% | $0 | $0 |
| Q2 2025 | 34.59% | 98.55% | $0 | $0 |
| Q3 2025 | 36.79% | 99.24% | $0 | $0 |
| Q4 2025 | 34.34% | 99.24% | $0 | $0 |
| Q1 2026 | 33.54% | 97.67% | $0 | $0 |
| Q2 2026 | 35.11% | 97.51% | $0 | $0 |
The Bank of San Jacinto County, Coldspring, Texas 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 San Jacinto County, Coldspring, Texas, 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 San Jacinto County, Coldspring, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18942) · FFIEC NIC profile (RSSD 678052)