Colonial Savings, F.A.: 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: 5.93 percentage points higher than in Q1 2026, at 51.25%. Colonial Savings, F.A. ranks 288th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 44.80% (Q2 2026). Colonial Savings, F.A. reported 44.80% on loan-to-deposit ratio for Q2 2026, 35.75 points below 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 | $140.2M |
| Cash and noninterest-bearing balances to assets | 27.95% |
| Cash and securities | $369.4M |
| 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 | 44.80% |
| Net loans and leases to deposits | 44.13% |
| Loans and leases to core deposits | 51.25% |
| Core deposits to total deposits | 87.42% |
| 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 | 113.36% | 88.42% | $0 | $187.1M |
| Q4 2023 | 116.08% | 74.39% | $0 | $165.3M |
| Q1 2024 | 112.23% | 83.02% | $0 | $174.4M |
| Q2 2024 | 105.24% | 88.24% | $0 | $126.0M |
| Q3 2024 | 101.86% | 92.89% | $0 | $88.2M |
| Q4 2024 | 125.52% | 91.79% | $0 | $215.1M |
| Q1 2025 | 117.49% | 92.71% | $0 | $158.9M |
| Q2 2025 | 112.83% | 94.80% | $0 | $130.8M |
| Q3 2025 | 97.55% | 94.99% | $0 | $9.8M |
| Q4 2025 | 21.63% | 91.92% | $0 | $0 |
| Q1 2026 | 39.88% | 88.01% | $0 | $0 |
| Q2 2026 | 44.80% | 87.42% | $0 | $0 |
Colonial Savings, F.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Colonial Savings, F.A., 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 Colonial Savings, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31361) · FFIEC NIC profile (RSSD 339072)