Bank of South 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.
Loans and leases to core deposits climbed 4.54 percentage points in Q2 2026, from 110.51% to 115.05%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Bank of South Texas is 56th of 346 on loan-to-deposit ratio, 89.22% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of South Texas sits 8.39 points higher, at 89.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.1M |
| 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 | 89.22% |
| Net loans and leases to deposits | 88.20% |
| Loans and leases to core deposits | 115.05% |
| Core deposits to total deposits | 77.55% |
| 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 | 79.80% | 86.04% | $0 | $0 |
| Q4 2023 | 80.07% | 85.17% | $0 | $0 |
| Q1 2024 | 80.86% | 85.15% | $0 | $0 |
| Q2 2024 | 77.84% | 84.58% | $0 | $0 |
| Q3 2024 | 74.58% | 84.49% | $0 | $0 |
| Q4 2024 | 75.79% | 84.28% | $0 | $0 |
| Q1 2025 | 83.52% | 83.59% | $0 | $0 |
| Q2 2025 | 85.84% | 82.25% | $0 | $0 |
| Q3 2025 | 85.87% | 82.79% | $0 | $0 |
| Q4 2025 | 85.70% | 79.73% | $0 | $0 |
| Q1 2026 | 85.44% | 77.32% | $0 | $0 |
| Q2 2026 | 89.22% | 77.55% | $0 | $0 |
Bank of South Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of South 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 Bank of South Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26727) · FFIEC NIC profile (RSSD 49858)