Commercial 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 65.5% in Q2 2026, from $16.6M to $27.4M. It was the largest change from Q1 2026 among the key lines here. Commercial State Bank has the 35th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 35.63% as of Q2 2026. Commercial State Bank's loan-to-deposit ratio of 35.63% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 45.20 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.4M |
| 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 | 35.63% |
| Net loans and leases to deposits | 35.00% |
| Loans and leases to core deposits | 35.79% |
| Core deposits to total deposits | 99.56% |
| 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 | 41.56% | 99.13% | $0 | $0 |
| Q4 2023 | 40.86% | 99.48% | $0 | $0 |
| Q1 2024 | 39.72% | 99.52% | $0 | $0 |
| Q2 2024 | 41.14% | 99.27% | $0 | $0 |
| Q3 2024 | 42.87% | 99.50% | $0 | $0 |
| Q4 2024 | 44.26% | 99.48% | $0 | $0 |
| Q1 2025 | 42.12% | 99.52% | $0 | $0 |
| Q2 2025 | 41.20% | 99.53% | $0 | $0 |
| Q3 2025 | 38.78% | 99.56% | $0 | $0 |
| Q4 2025 | 40.56% | 99.54% | $0 | $0 |
| Q1 2026 | 39.75% | 99.54% | $0 | $0 |
| Q2 2026 | 35.63% | 99.56% | $0 | $0 |
Commercial State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10330) · FFIEC NIC profile (RSSD 1017564)