The Buckholts 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 Cash and balances due from depository institutions: 26.0% lower than in Q1 2026, at $16.3M. Within Texas, The Buckholts State Bank is 152nd of 346 on loan-to-deposit ratio, 75.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Buckholts State Bank sits 4.86 points lower, at 75.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.5M |
| 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 | $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 | 75.98% |
| Net loans and leases to deposits | 75.37% |
| Loans and leases to core deposits | 87.20% |
| Core deposits to total deposits | 87.13% |
| 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 | 78.36% | 92.01% | $0 | $0 |
| Q4 2023 | 80.65% | 91.83% | $0 | $0 |
| Q1 2024 | 81.52% | 90.76% | $0 | $0 |
| Q2 2024 | 79.82% | 89.08% | $0 | $0 |
| Q3 2024 | 76.50% | 89.14% | $0 | $0 |
| Q4 2024 | 78.92% | 87.62% | $0 | $0 |
| Q1 2025 | 75.84% | 87.39% | $0 | $0 |
| Q2 2025 | 75.60% | 87.80% | $0 | $0 |
| Q3 2025 | 75.48% | 87.72% | $0 | $0 |
| Q4 2025 | 74.79% | 88.26% | $0 | $0 |
| Q1 2026 | 73.95% | 86.30% | $0 | $0 |
| Q2 2026 | 75.98% | 87.13% | $0 | $0 |
The Buckholts State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Buckholts 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 The Buckholts State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11916) · FFIEC NIC profile (RSSD 53051)