Ciera 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 climbed 4.26 percentage points in Q2 2026, from 96.45% to 100.71%. It was the largest change from Q1 2026 among the key lines here. Ciera Bank ranks 68th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 87.90% (Q2 2026). Ciera Bank reported 87.90% on loan-to-deposit ratio for Q2 2026, 7.34 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 | $139.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $194.8M |
| 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 | $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 | 87.90% |
| Net loans and leases to deposits | 86.48% |
| Loans and leases to core deposits | 100.71% |
| Core deposits to total deposits | 87.28% |
| 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 | 80.18% | 90.74% | $0 | $80.0M |
| Q4 2023 | 77.96% | 89.64% | $0 | $40.0M |
| Q1 2024 | 75.52% | 89.66% | $0 | $40.0M |
| Q2 2024 | 79.27% | 89.30% | $0 | $20.0M |
| Q3 2024 | 78.27% | 88.79% | $0 | $20.0M |
| Q4 2024 | 79.24% | 88.14% | $0 | $0 |
| Q1 2025 | 79.97% | 88.46% | $0 | $0 |
| Q2 2025 | 81.44% | 88.54% | $0 | $0 |
| Q3 2025 | 84.60% | 87.70% | $0 | $0 |
| Q4 2025 | 83.32% | 87.01% | $0 | $0 |
| Q1 2026 | 84.86% | 87.98% | $0 | $0 |
| Q2 2026 | 87.90% | 87.28% | $0 | $0 |
Ciera Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ciera 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 Ciera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3226) · FFIEC NIC profile (RSSD 327855)