Commercial Bank of Texas, N.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.
Loans and leases to core deposits climbed 3.89 percentage points in Q2 2026, from 81.04% to 84.92%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Commercial Bank of Texas, N.A. is 141st of 346 on loan-to-deposit ratio, 78.20% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Commercial Bank of Texas, N.A. sits 10.00 points lower, at 78.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $107.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $462.6M |
| 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 | $50K |
| 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 | 78.20% |
| Net loans and leases to deposits | 77.02% |
| Loans and leases to core deposits | 84.92% |
| Core deposits to total deposits | 92.08% |
| 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 | 71.61% | 95.18% | $0 | $87K |
| Q4 2023 | 74.42% | 94.24% | $0 | $84K |
| Q1 2024 | 72.08% | 94.25% | $0 | $78K |
| Q2 2024 | 74.25% | 93.99% | $0 | $78K |
| Q3 2024 | 72.79% | 94.47% | $0 | $69K |
| Q4 2024 | 74.00% | 94.31% | $0 | $69K |
| Q1 2025 | 74.49% | 94.30% | $0 | $64K |
| Q2 2025 | 73.02% | 93.99% | $0 | $64K |
| Q3 2025 | 72.52% | 93.67% | $0 | $56K |
| Q4 2025 | 76.25% | 93.46% | $0 | $56K |
| Q1 2026 | 75.35% | 92.99% | $0 | $50K |
| Q2 2026 | 78.20% | 92.08% | $0 | $50K |
Commercial Bank of Texas, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of Texas, N.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 Commercial Bank of Texas, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1209) · FFIEC NIC profile (RSSD 885869)