Capital 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.
Cash and balances due from depository institutions dropped 36.0% in Q2 2026, from $24.5M to $15.7M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Capital Bank ranks 25th highest among the 346 banks headquartered in Texas, at 97.20% (Q2 2026). Capital Bank reported 97.20% on loan-to-deposit ratio for Q2 2026, 16.64 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.7M |
| Cash and noninterest-bearing balances to assets | 2.27% |
| Cash and securities | $87.8M |
| 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 | $708K |
| 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 | 97.20% |
| Net loans and leases to deposits | 96.08% |
| Loans and leases to core deposits | 121.00% |
| Core deposits to total deposits | 80.33% |
| 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 | 98.34% | 86.76% | $12.4M | $0 |
| Q4 2023 | 95.15% | 81.43% | $3.3M | $0 |
| Q1 2024 | 96.62% | 80.77% | $2.1M | $0 |
| Q2 2024 | 97.23% | 81.89% | $1.7M | $20.1M |
| Q3 2024 | 95.91% | 81.50% | $1.1M | $3.0M |
| Q4 2024 | 94.47% | 80.34% | $1.0M | $0 |
| Q1 2025 | 94.28% | 81.17% | $814K | $0 |
| Q2 2025 | 94.09% | 78.39% | $1.2M | $0 |
| Q3 2025 | 97.42% | 78.76% | $529K | $17.5M |
| Q4 2025 | 97.91% | 78.70% | $684K | $6.0M |
| Q1 2026 | 95.25% | 80.18% | $716K | $0 |
| Q2 2026 | 97.20% | 80.33% | $708K | $0 |
Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19401) · FFIEC NIC profile (RSSD 596156)