Frontier 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.
Core deposits to total deposits dropped 2.21 percentage points in Q2 2026, from 84.62% to 82.41%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Frontier Bank of Texas ranks 22nd highest among the 346 banks headquartered in Texas, at 98.34% (Q2 2026). Frontier Bank of Texas reported 98.34% on loan-to-deposit ratio for Q2 2026, 10.14 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $75.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $151.2M |
| 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 | $58.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.39% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.34% |
| Net loans and leases to deposits | 97.73% |
| Loans and leases to core deposits | 106.25% |
| Core deposits to total deposits | 82.41% |
| Brokered deposits to total deposits | 10.20% |
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 | 88.52% | 89.13% | $0 | $25.5M |
| Q4 2023 | 77.62% | 89.87% | $0 | $25.5M |
| Q1 2024 | 85.78% | 86.90% | $0 | $45.5M |
| Q2 2024 | 92.34% | 87.44% | $0 | $45.5M |
| Q3 2024 | 94.21% | 86.77% | $0 | $50.0M |
| Q4 2024 | 93.50% | 86.82% | $0 | $50.0M |
| Q1 2025 | 94.68% | 88.34% | $0 | $55.0M |
| Q2 2025 | 97.70% | 84.76% | $145K | $65.0M |
| Q3 2025 | 96.60% | 82.55% | $0 | $60.0M |
| Q4 2025 | 99.47% | 81.76% | $0 | $60.0M |
| Q1 2026 | 97.34% | 84.62% | $0 | $50.0M |
| Q2 2026 | 98.34% | 82.41% | $0 | $58.0M |
Frontier 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 Frontier 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 Frontier Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58509) · FFIEC NIC profile (RSSD 3472046)