Charter 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.
Loans and leases to core deposits dropped 5.67 percentage points in Q2 2026, from 76.62% to 70.94%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Charter Bank is 230th of 346 on loan-to-deposit ratio, 63.17% 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. Charter Bank sits 17.67 points lower, at 63.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $123.2M |
| 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 | 63.17% |
| Net loans and leases to deposits | 61.88% |
| Loans and leases to core deposits | 70.94% |
| Core deposits to total deposits | 89.04% |
| 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 | 74.94% | 92.39% | $0 | $40.0M |
| Q4 2023 | 74.34% | 92.10% | $0 | $25.0M |
| Q1 2024 | 71.51% | 90.77% | $0 | $25.0M |
| Q2 2024 | 72.90% | 90.38% | $0 | $20.0M |
| Q3 2024 | 73.27% | 90.74% | $0 | $20.0M |
| Q4 2024 | 77.24% | 90.15% | $5.9M | $24.0M |
| Q1 2025 | 72.73% | 91.35% | $0 | $18.0M |
| Q2 2025 | 70.99% | 88.42% | $0 | $23.0M |
| Q3 2025 | 64.67% | 88.92% | $0 | $0 |
| Q4 2025 | 65.67% | 85.62% | $0 | $0 |
| Q1 2026 | 66.16% | 86.35% | $0 | $0 |
| Q2 2026 | 63.17% | 89.04% | $0 | $0 |
Charter Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Charter 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 Charter Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18660) · FFIEC NIC profile (RSSD 814458)