Extraco Banks, 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.
Loan-to-deposit ratio dropped 1.39 percentage points in Q2 2026, from 65.80% to 64.41%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Extraco Banks, N.A. is 220th of 346 on loan-to-deposit ratio, 64.41% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Extraco Banks, N.A. sits 23.79 points lower, at 64.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $444.1M |
| Cash and noninterest-bearing balances to assets | 17.25% |
| Cash and securities | $1.17B |
| 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 | $132.4M |
| Other borrowed money | $115.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.41% |
| Net loans and leases to deposits | 62.87% |
| Loans and leases to core deposits | 67.58% |
| Core deposits to total deposits | 95.31% |
| 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 | 67.15% | 97.44% | $152.3M | $120.0M |
| Q4 2023 | 66.35% | 97.37% | $119.5M | $140.0M |
| Q1 2024 | 68.74% | 97.05% | $133.6M | $155.0M |
| Q2 2024 | 66.84% | 96.95% | $123.9M | $155.0M |
| Q3 2024 | 66.71% | 96.96% | $122.7M | $135.0M |
| Q4 2024 | 69.37% | 96.98% | $124.2M | $135.0M |
| Q1 2025 | 66.69% | 96.61% | $127.7M | $145.0M |
| Q2 2025 | 66.78% | 96.14% | $130.2M | $135.0M |
| Q3 2025 | 66.23% | 95.88% | $128.5M | $145.0M |
| Q4 2025 | 66.27% | 95.73% | $128.4M | $110.0M |
| Q1 2026 | 65.80% | 95.62% | $119.1M | $120.0M |
| Q2 2026 | 64.41% | 95.31% | $132.4M | $115.0M |
Extraco Banks, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Extraco Banks, 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 Extraco Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5551) · FFIEC NIC profile (RSSD 537560)