Golden Bank, 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.64 percentage points higher than in Q1 2026, at 143.45%. Among 346 Texas banks, Golden Bank, N.A. sits 12th from the top on loan-to-deposit ratio, 101.24% as of Q2 2026. Golden Bank, N.A. reported 101.24% on loan-to-deposit ratio for Q2 2026, 13.04 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 | — |
| Cash and noninterest-bearing balances to assets | 10.95% |
| Cash and securities | $310.7M |
| 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 | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.24% |
| Net loans and leases to deposits | 99.93% |
| Loans and leases to core deposits | 143.45% |
| Core deposits to total deposits | 66.26% |
| Brokered deposits to total deposits | 4.32% |
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 | 103.27% | 71.06% | $0 | $38.0M |
| Q4 2023 | 99.80% | 69.49% | $0 | $38.0M |
| Q1 2024 | 97.08% | 69.28% | $0 | $38.0M |
| Q2 2024 | 99.61% | 68.41% | $0 | $38.0M |
| Q3 2024 | 96.76% | 68.81% | $0 | $28.0M |
| Q4 2024 | 102.31% | 66.89% | $0 | $50.0M |
| Q1 2025 | 98.69% | 67.31% | $0 | $50.0M |
| Q2 2025 | 97.39% | 67.98% | $0 | $50.0M |
| Q3 2025 | 97.51% | 68.23% | $0 | $35.0M |
| Q4 2025 | 100.09% | 66.36% | $0 | $28.0M |
| Q1 2026 | 101.30% | 66.85% | $0 | $28.0M |
| Q2 2026 | 101.24% | 66.26% | $0 | $25.0M |
Golden Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Bank, 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 Golden Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26223) · FFIEC NIC profile (RSSD 536059)