Greater State 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 Loans and leases to core deposits: 2.83 percentage points higher than in Q1 2026, at 105.72%. Greater State Bank ranks 53rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 89.78% (Q2 2026). Greater State Bank reported 89.78% on loan-to-deposit ratio for Q2 2026, 8.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.3M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.78% |
| Net loans and leases to deposits | 88.85% |
| Loans and leases to core deposits | 105.72% |
| Core deposits to total deposits | 84.36% |
| Brokered deposits to total deposits | 0.57% |
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 | 82.49% | 89.14% | $0 | $5.0M |
| Q4 2023 | 85.08% | 88.66% | $0 | $6.0M |
| Q1 2024 | 86.75% | 85.31% | $0 | $6.0M |
| Q2 2024 | 82.93% | 84.91% | $0 | $6.0M |
| Q3 2024 | 83.22% | 83.96% | $0 | $6.0M |
| Q4 2024 | 78.27% | 85.74% | $0 | $5.0M |
| Q1 2025 | 79.09% | 84.39% | $0 | $0 |
| Q2 2025 | 82.82% | 83.31% | $0 | $0 |
| Q3 2025 | 81.33% | 82.68% | $0 | $0 |
| Q4 2025 | 85.81% | 83.89% | $0 | $0 |
| Q1 2026 | 87.08% | 84.04% | $0 | $0 |
| Q2 2026 | 89.78% | 84.36% | $0 | $0 |
Greater State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Greater State 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 Greater State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31762) · FFIEC NIC profile (RSSD 518877)