Boc Bank: 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 7.21 percentage points in Q2 2026, from 85.15% to 92.36%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Boc Bank is 83rd of 346 on loan-to-deposit ratio, 85.88% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Boc Bank sits 5.33 points higher, at 85.88% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.0M |
| Fed funds sold and reverse repos | $150K |
| Fed funds sold and reverse repos to assets | 0.07% |
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 | 85.88% |
| Net loans and leases to deposits | 84.60% |
| Loans and leases to core deposits | 92.36% |
| Core deposits to total deposits | 92.99% |
| 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 | 52.56% | 93.65% | $0 | $27.1M |
| Q4 2023 | 57.19% | 93.19% | $0 | $24.8M |
| Q1 2024 | 62.72% | 93.08% | $0 | $0 |
| Q2 2024 | 78.90% | 91.56% | $10.0M | $0 |
| Q3 2024 | 69.93% | 92.02% | $0 | $0 |
| Q4 2024 | 84.41% | 91.99% | $0 | $0 |
| Q1 2025 | 78.58% | 91.23% | $0 | $0 |
| Q2 2025 | 86.50% | 91.61% | $0 | $0 |
| Q3 2025 | 78.68% | 92.42% | $0 | $0 |
| Q4 2025 | 84.55% | 91.56% | $0 | $0 |
| Q1 2026 | 78.76% | 92.50% | $0 | $0 |
| Q2 2026 | 85.88% | 92.99% | $0 | $0 |
Boc Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Boc Bank, 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 Boc Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25328) · FFIEC NIC profile (RSSD 352651)