Crowell 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.
Loans and leases to core deposits dropped 2.90 percentage points in Q2 2026, from 67.92% to 65.02%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Crowell State Bank is 260th of 346 on loan-to-deposit ratio, 56.11% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Crowell State Bank sits 11.21 points lower, at 56.11% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.4M |
| 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 | 56.11% |
| Net loans and leases to deposits | 55.56% |
| Loans and leases to core deposits | 65.02% |
| Core deposits to total deposits | 86.30% |
| 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 | 60.41% | 90.92% | $0 | $0 |
| Q4 2023 | 58.98% | 93.01% | $0 | $0 |
| Q1 2024 | 59.39% | 91.41% | $0 | $0 |
| Q2 2024 | 51.63% | 89.05% | $0 | $0 |
| Q3 2024 | 61.60% | 86.67% | $0 | $0 |
| Q4 2024 | 53.46% | 88.96% | $0 | $0 |
| Q1 2025 | 55.15% | 88.53% | $0 | $0 |
| Q2 2025 | 52.97% | 88.67% | $0 | $0 |
| Q3 2025 | 56.97% | 87.38% | $0 | $0 |
| Q4 2025 | 58.27% | 88.28% | $0 | $0 |
| Q1 2026 | 58.72% | 86.45% | $0 | $0 |
| Q2 2026 | 56.11% | 86.30% | $0 | $0 |
Crowell State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Crowell 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 Crowell State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10352) · FFIEC NIC profile (RSSD 701857)