Frost 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 95.3% lower than in Q1 2026, at $125K. Within Texas, Frost Bank is 270th of 346 on loan-to-deposit ratio, 52.63% as of Q2 2026. Frost Bank reported 52.63% on loan-to-deposit ratio for Q2 2026, 34.24 points below the 86.87% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.48B |
| Cash and noninterest-bearing balances to assets | 12.01% |
| Cash and securities | $27.92B |
| Fed funds sold and reverse repos | $125K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $4.91B |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $115.0M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.63% |
| Net loans and leases to deposits | 51.98% |
| Loans and leases to core deposits | 58.61% |
| Core deposits to total deposits | 89.80% |
| 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 | 44.45% | 92.38% | $3.75B | $0 |
| Q4 2023 | 44.39% | 91.88% | $4.14B | $0 |
| Q1 2024 | 47.01% | 90.73% | $3.98B | $0 |
| Q2 2024 | 49.07% | 90.10% | $3.80B | $0 |
| Q3 2024 | 47.56% | 90.04% | $4.04B | $0 |
| Q4 2024 | 48.11% | 90.49% | $4.36B | $0 |
| Q1 2025 | 48.77% | 90.17% | $4.49B | $0 |
| Q2 2025 | 50.40% | 89.72% | $4.44B | $0 |
| Q3 2025 | 49.94% | 89.70% | $4.60B | $0 |
| Q4 2025 | 50.52% | 90.23% | $4.54B | $0 |
| Q1 2026 | 51.88% | 90.27% | $4.13B | $0 |
| Q2 2026 | 52.63% | 89.80% | $4.91B | $0 |
Frost Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Frost 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 Frost Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5510) · FFIEC NIC profile (RSSD 682563)