Freedom 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 climbed 1.74 percentage points in Q2 2026, from 89.21% to 90.96%. It was the largest change from Q1 2026 among the key lines here. Freedom Bank ranks 192nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 69.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Freedom Bank sits 11.27 points lower, at 69.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.3M |
| Fed funds sold and reverse repos | $181K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.57% |
| Net loans and leases to deposits | 68.71% |
| Loans and leases to core deposits | 90.96% |
| Core deposits to total deposits | 76.12% |
| Brokered deposits to total deposits | 0.37% |
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 | 79.72% | 86.17% | $0 | $0 |
| Q4 2023 | 81.20% | 85.89% | $0 | $0 |
| Q1 2024 | 80.29% | 82.74% | $0 | $15.0M |
| Q2 2024 | 81.20% | 81.57% | $0 | $15.0M |
| Q3 2024 | 82.92% | 82.19% | $0 | $15.0M |
| Q4 2024 | 74.83% | 82.06% | $0 | $15.0M |
| Q1 2025 | 74.62% | 81.33% | $0 | $15.0M |
| Q2 2025 | 76.30% | 78.36% | $0 | $15.0M |
| Q3 2025 | 71.11% | 76.49% | $0 | $15.0M |
| Q4 2025 | 70.81% | 76.18% | $0 | $15.0M |
| Q1 2026 | 69.26% | 77.26% | $0 | $15.0M |
| Q2 2026 | 69.57% | 76.12% | $0 | $15.0M |
Freedom Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17881) · FFIEC NIC profile (RSSD 432058)