Commerce Bank Texas: 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: 4.20 percentage points higher than in Q1 2026, at 56.02%. Commerce Bank Texas ranks 283rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 45.90% (Q2 2026). Commerce Bank Texas reported 45.90% on loan-to-deposit ratio for Q2 2026, 21.72 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.8M |
| 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 | 45.90% |
| Net loans and leases to deposits | 45.52% |
| Loans and leases to core deposits | 56.02% |
| Core deposits to total deposits | 81.94% |
| 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 | 67.62% | 95.36% | $0 | $7.5M |
| Q4 2023 | 76.23% | 92.35% | $0 | $13.6M |
| Q1 2024 | 68.92% | 89.34% | $0 | $10.0M |
| Q2 2024 | 68.69% | 87.36% | $0 | $10.0M |
| Q3 2024 | 66.79% | 86.12% | $0 | $8.7M |
| Q4 2024 | 56.64% | 84.30% | $0 | $4.0M |
| Q1 2025 | 49.16% | 84.86% | $0 | $0 |
| Q2 2025 | 41.42% | 84.11% | $0 | $0 |
| Q3 2025 | 45.44% | 84.41% | $0 | $0 |
| Q4 2025 | 41.98% | 83.37% | $0 | $0 |
| Q1 2026 | 43.27% | 83.51% | $0 | $0 |
| Q2 2026 | 45.90% | 81.94% | $0 | $0 |
Commerce Bank Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank Texas, 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 Commerce Bank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15346) · FFIEC NIC profile (RSSD 174367)