Carmine 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.
Compared with Q1 2026, Loans and leases to core deposits rose 0.74 percentage points in Q2 2026 to 41.10%, the biggest move on this page. Carmine State Bank has the 21st lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 28.87% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Carmine State Bank reported 28.87% on loan-to-deposit ratio in Q2 2026, 51.97 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.9M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 1.06% |
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 | 28.87% |
| Net loans and leases to deposits | 28.71% |
| Loans and leases to core deposits | 41.10% |
| Core deposits to total deposits | 70.23% |
| 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 | 27.41% | 73.04% | $0 | $0 |
| Q4 2023 | 27.44% | 71.07% | $0 | $0 |
| Q1 2024 | 26.49% | 71.60% | $0 | $0 |
| Q2 2024 | 27.02% | 71.88% | $0 | $0 |
| Q3 2024 | 27.81% | 71.74% | $0 | $0 |
| Q4 2024 | 30.99% | 72.80% | $0 | $0 |
| Q1 2025 | 30.10% | 71.93% | $0 | $0 |
| Q2 2025 | 29.77% | 73.34% | $0 | $0 |
| Q3 2025 | 27.57% | 71.68% | $0 | $0 |
| Q4 2025 | 28.23% | 70.46% | $0 | $0 |
| Q1 2026 | 28.42% | 70.41% | $0 | $0 |
| Q2 2026 | 28.87% | 70.23% | $0 | $0 |
Carmine State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Carmine 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 Carmine State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19278) · FFIEC NIC profile (RSSD 732954)