Coleman County 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.
Cash and balances due from depository institutions climbed 13.8% in Q2 2026, from $25.5M to $29.0M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Coleman County State Bank is 213th of 346 on loan-to-deposit ratio, 66.17% 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. Coleman County State Bank sits 14.67 points lower, at 66.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.2M |
| 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 | 66.17% |
| Net loans and leases to deposits | 65.52% |
| Loans and leases to core deposits | 72.01% |
| Core deposits to total deposits | 91.89% |
| 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 | 66.65% | 93.88% | $0 | $0 |
| Q4 2023 | 69.38% | 93.26% | $0 | $0 |
| Q1 2024 | 70.74% | 92.40% | $0 | $0 |
| Q2 2024 | 73.54% | 92.04% | $0 | $0 |
| Q3 2024 | 77.61% | 91.71% | $0 | $0 |
| Q4 2024 | 76.89% | 92.19% | $0 | $0 |
| Q1 2025 | 73.55% | 91.62% | $0 | $0 |
| Q2 2025 | 61.35% | 90.48% | $0 | $0 |
| Q3 2025 | 67.77% | 90.63% | $0 | $0 |
| Q4 2025 | 61.86% | 90.98% | $0 | $0 |
| Q1 2026 | 66.09% | 91.28% | $0 | $0 |
| Q2 2026 | 66.17% | 91.89% | $0 | $0 |
Coleman County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Coleman County 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 Coleman County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15480) · FFIEC NIC profile (RSSD 761954)