Cypress 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.63 percentage points lower than in Q1 2026, at 85.24%. Cypress Bank, SSB ranks 175th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 72.74% (Q2 2026). Cypress Bank, SSB reported 72.74% on loan-to-deposit ratio for Q2 2026, 8.09 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.0M |
| 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 | $13.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.74% |
| Net loans and leases to deposits | 72.09% |
| Loans and leases to core deposits | 85.24% |
| Core deposits to total deposits | 85.10% |
| Brokered deposits to total deposits | 0.25% |
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 | 83.80% | 87.33% | $0 | $20.4M |
| Q4 2023 | 79.23% | 85.33% | $0 | $19.8M |
| Q1 2024 | 83.14% | 85.23% | $0 | $19.5M |
| Q2 2024 | 83.45% | 83.45% | $0 | $22.1M |
| Q3 2024 | 83.39% | 84.35% | $0 | $21.8M |
| Q4 2024 | 84.16% | 83.69% | $0 | $21.1M |
| Q1 2025 | 77.96% | 83.58% | $0 | $19.8M |
| Q2 2025 | 75.19% | 84.99% | $0 | $17.0M |
| Q3 2025 | 72.64% | 85.28% | $0 | $15.2M |
| Q4 2025 | 74.71% | 85.86% | $0 | $14.3M |
| Q1 2026 | 76.05% | 85.32% | $0 | $18.0M |
| Q2 2026 | 72.74% | 85.10% | $0 | $13.7M |
Cypress Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cypress 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 Cypress Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31905) · FFIEC NIC profile (RSSD 729178)