Bank19: 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.
Fed funds sold and reverse repos to assets dropped 18.80 percentage points in Q2 2026, from 25.51% to 6.71%. It was the largest change from Q1 2026 among the key lines here. Bank19 ranks 235th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 62.83% (Q2 2026). Bank19 reported 62.83% on loan-to-deposit ratio for Q2 2026, 18.00 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 | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.0M |
| Fed funds sold and reverse repos | $9.9M |
| Fed funds sold and reverse repos to assets | 6.71% |
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 | 62.83% |
| Net loans and leases to deposits | 62.44% |
| Loans and leases to core deposits | 71.11% |
| Core deposits to total deposits | 88.36% |
| 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 | 83.78% | 89.64% | $500K | $0 |
| Q4 2023 | 80.80% | 88.06% | $0 | $3.0M |
| Q1 2024 | 75.06% | 83.40% | $0 | $0 |
| Q2 2024 | 83.20% | 79.86% | $1.1M | $3.5M |
| Q3 2024 | 85.47% | 81.28% | $250K | $0 |
| Q4 2024 | 80.59% | 79.67% | $0 | $0 |
| Q1 2025 | 70.70% | 80.80% | $0 | $0 |
| Q2 2025 | 71.56% | 79.87% | $0 | $0 |
| Q3 2025 | 42.09% | 88.06% | $0 | $0 |
| Q4 2025 | 51.53% | 88.43% | $0 | $0 |
| Q1 2026 | 57.85% | 88.59% | $0 | $0 |
| Q2 2026 | 62.83% | 88.36% | $0 | $0 |
Bank19 liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank19, 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 Bank19 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3335) · FFIEC NIC profile (RSSD 373553)