Castroville 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: 9.47 percentage points higher than in Q1 2026, at 92.74%. Within Texas, Castroville State Bank is 146th of 346 on loan-to-deposit ratio, 77.25% 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. Castroville State Bank sits 3.59 points lower, at 77.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.9M |
| 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 | 77.25% |
| Net loans and leases to deposits | 76.40% |
| Loans and leases to core deposits | 92.74% |
| Core deposits to total deposits | 83.30% |
| 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 | 76.95% | 85.08% | $0 | $7.0M |
| Q4 2023 | 76.69% | 84.64% | $0 | $4.0M |
| Q1 2024 | 71.10% | 82.64% | $0 | $2.0M |
| Q2 2024 | 71.68% | 80.55% | $0 | $2.0M |
| Q3 2024 | 72.70% | 81.16% | $0 | $0 |
| Q4 2024 | 71.23% | 83.56% | $0 | $0 |
| Q1 2025 | 70.25% | 82.56% | $0 | $0 |
| Q2 2025 | 80.12% | 82.08% | $0 | $6.0M |
| Q3 2025 | 76.22% | 81.93% | $0 | $6.0M |
| Q4 2025 | 65.12% | 85.45% | $0 | $0 |
| Q1 2026 | 68.92% | 82.77% | $0 | $0 |
| Q2 2026 | 77.25% | 83.30% | $0 | $0 |
Castroville State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Castroville 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 Castroville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17979) · FFIEC NIC profile (RSSD 742056)