Bridge City State 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 12.69 percentage points higher than in Q1 2026, at 78.60%. Within Texas, Bridge City State Bank is 204th of 346 on loan-to-deposit ratio, 67.44% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bridge City State Bank sits 13.40 points lower, at 67.44% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $99.5M |
| 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 | $24.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.44% |
| Net loans and leases to deposits | 66.79% |
| Loans and leases to core deposits | 78.60% |
| Core deposits to total deposits | 85.80% |
| 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 | 46.27% | 94.23% | $0 | $3.5M |
| Q4 2023 | 45.06% | 93.69% | $15K | $3.5M |
| Q1 2024 | 45.55% | 92.14% | $0 | $3.5M |
| Q2 2024 | 45.23% | 91.50% | $0 | $0 |
| Q3 2024 | 52.83% | 91.50% | $0 | $0 |
| Q4 2024 | 62.63% | 90.18% | $0 | $27.0M |
| Q1 2025 | 65.76% | 89.78% | $761K | $22.0M |
| Q2 2025 | 65.29% | 89.23% | $0 | $30.6M |
| Q3 2025 | 58.00% | 90.23% | $0 | $24.0M |
| Q4 2025 | 59.61% | 86.63% | $0 | $24.0M |
| Q1 2026 | 57.37% | 87.04% | $0 | $24.0M |
| Q2 2026 | 67.44% | 85.80% | $0 | $24.0M |
Bridge City State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bridge City State 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 Bridge City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18155) · FFIEC NIC profile (RSSD 43959)