Fidelity Bank of Texas: 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 7.46 percentage points in Q2 2026, from 95.65% to 103.10%. It was the largest change from Q1 2026 among the key lines here. Fidelity Bank of Texas ranks 111th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 82.82% (Q2 2026). At 82.82%, Fidelity Bank of Texas's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.8M |
| 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 | $5.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.82% |
| Net loans and leases to deposits | 82.30% |
| Loans and leases to core deposits | 103.10% |
| Core deposits to total deposits | 80.33% |
| 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 | 44.19% | 97.17% | $0 | $0 |
| Q4 2023 | 50.78% | 98.03% | $0 | $0 |
| Q1 2024 | 62.05% | 96.59% | $0 | $5.6M |
| Q2 2024 | 62.72% | 96.58% | $0 | $5.6M |
| Q3 2024 | 69.36% | 96.51% | $0 | $5.6M |
| Q4 2024 | 76.08% | 97.99% | $0 | $5.5M |
| Q1 2025 | 84.35% | 97.53% | $0 | $5.5M |
| Q2 2025 | 87.10% | 87.97% | $0 | $5.5M |
| Q3 2025 | 87.33% | 78.19% | $0 | $5.5M |
| Q4 2025 | 83.54% | 79.01% | $0 | $5.4M |
| Q1 2026 | 76.67% | 80.16% | $0 | $5.4M |
| Q2 2026 | 82.82% | 80.33% | $0 | $5.4M |
Fidelity Bank of Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank of Texas, 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 Fidelity Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21455) · FFIEC NIC profile (RSSD 741068)