Cornerstone Capital Bank, SSB: 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 15.29 percentage points in Q2 2026, from 101.66% to 116.95%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, Cornerstone Capital Bank, SSB sits 4th from the top on loan-to-deposit ratio, 109.99% as of Q2 2026. Cornerstone Capital Bank, SSB reported 109.99% on loan-to-deposit ratio for Q2 2026, 21.79 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $371.0M |
| Cash and noninterest-bearing balances to assets | 10.12% |
| Cash and securities | $609.0M |
| 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 | $708.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 19.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.99% |
| Net loans and leases to deposits | 109.34% |
| Loans and leases to core deposits | 116.95% |
| Core deposits to total deposits | 89.82% |
| Brokered deposits to total deposits | 4.23% |
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 | 86.24% | 64.09% | $0 | $591.9M |
| Q4 2023 | 116.10% | 59.97% | $0 | $709.4M |
| Q1 2024 | 100.50% | 61.93% | $0 | $479.6M |
| Q2 2024 | 94.16% | 66.25% | $0 | $517.5M |
| Q3 2024 | 81.93% | 71.18% | $0 | $573.2M |
| Q4 2024 | 101.36% | 75.78% | $0 | $414.4M |
| Q1 2025 | 89.41% | 77.73% | $0 | $402.8M |
| Q2 2025 | 104.90% | 76.94% | $0 | $330.1M |
| Q3 2025 | 110.37% | 75.39% | $0 | $377.6M |
| Q4 2025 | 131.74% | 73.74% | $0 | $664.6M |
| Q1 2026 | 95.67% | 83.38% | $0 | $651.6M |
| Q2 2026 | 109.99% | 89.82% | $0 | $708.5M |
Cornerstone Capital Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone Capital Bank, SSB, 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 Cornerstone Capital Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1213) · FFIEC NIC profile (RSSD 2891622)