Bank of 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 dropped 10.27 percentage points in Q2 2026, from 161.86% to 151.60%. It was the largest change from Q1 2026 among the key lines here. Bank of Texas ranks 77th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 86.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Texas sits 5.86 points higher, at 86.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $142.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $148.5M |
| Fed funds sold and reverse repos | $200K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $20.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.69% |
| Net loans and leases to deposits | 85.43% |
| Loans and leases to core deposits | 151.60% |
| Core deposits to total deposits | 57.19% |
| 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 | 108.64% | 64.88% | $0 | $49.1M |
| Q4 2023 | 115.38% | 62.87% | $0 | $48.3M |
| Q1 2024 | 115.58% | 64.41% | $0 | $66.7M |
| Q2 2024 | 99.58% | 59.25% | $0 | $44.8M |
| Q3 2024 | 99.22% | 57.97% | $0 | $41.5M |
| Q4 2024 | 106.39% | 54.24% | $0 | $39.0M |
| Q1 2025 | 94.59% | 55.23% | $0 | $38.1M |
| Q2 2025 | 97.15% | 60.90% | $0 | $47.3M |
| Q3 2025 | 91.23% | 57.67% | $0 | $36.6M |
| Q4 2025 | 96.85% | 53.50% | $0 | $35.9M |
| Q1 2026 | 92.02% | 56.85% | $0 | $34.9M |
| Q2 2026 | 86.69% | 57.19% | $0 | $20.8M |
Bank of 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 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18576) · FFIEC NIC profile (RSSD 925653)