Bank of the Southwest: 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.
Cash and balances due from depository institutions climbed 12.0% in Q2 2026, from $24.9M to $27.9M. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, Bank of the Southwest is 7th of 29 on loan-to-deposit ratio, 76.47% as of Q2 2026, above the middle of the field. Bank of the Southwest reported 76.47% on loan-to-deposit ratio for Q2 2026, 4.37 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 | $27.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.4M |
| 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 | 76.47% |
| Net loans and leases to deposits | 75.64% |
| Loans and leases to core deposits | 76.59% |
| Core deposits to total deposits | 99.84% |
| 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 | 64.64% | 99.72% | $0 | $0 |
| Q4 2023 | 72.95% | 99.69% | $0 | $0 |
| Q1 2024 | 75.64% | 99.68% | $0 | $0 |
| Q2 2024 | 70.91% | 99.69% | $0 | $0 |
| Q3 2024 | 71.41% | 99.69% | $0 | $0 |
| Q4 2024 | 71.60% | 99.68% | $0 | $0 |
| Q1 2025 | 66.63% | 99.69% | $0 | $0 |
| Q2 2025 | 68.76% | 99.84% | $0 | $0 |
| Q3 2025 | 68.94% | 100.00% | $0 | $0 |
| Q4 2025 | 73.07% | 100.00% | $0 | $0 |
| Q1 2026 | 77.33% | 100.00% | $0 | $0 |
| Q2 2026 | 76.47% | 99.84% | $0 | $0 |
Bank of the Southwest liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Southwest, 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 the Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2247) · FFIEC NIC profile (RSSD 499752)