Guadalupe 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 Loan-to-deposit ratio: 4.90 percentage points higher than in Q1 2026, at 86.70%. Within Texas, Guadalupe Bank is 76th of 346 on loan-to-deposit ratio, 86.70% as of Q2 2026, above the middle of the field. Guadalupe Bank reported 86.70% on loan-to-deposit ratio for Q2 2026, 5.86 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 | $49.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.0M |
| Fed funds sold and reverse repos | $13.8M |
| Fed funds sold and reverse repos to assets | 5.28% |
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 | 86.70% |
| Net loans and leases to deposits | 85.75% |
| Loans and leases to core deposits | 89.91% |
| Core deposits to total deposits | 96.43% |
| 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 | 80.82% | 93.53% | $0 | $5.0M |
| Q4 2023 | 84.20% | 93.19% | $0 | $5.0M |
| Q1 2024 | 86.14% | 93.68% | $0 | $10.0M |
| Q2 2024 | 89.87% | 92.46% | $0 | $12.5M |
| Q3 2024 | 86.18% | 93.64% | $0 | $5.0M |
| Q4 2024 | 90.81% | 93.86% | $0 | $5.0M |
| Q1 2025 | 84.12% | 94.00% | $0 | $5.0M |
| Q2 2025 | 88.45% | 94.67% | $0 | $5.0M |
| Q3 2025 | 82.53% | 94.17% | $0 | $0 |
| Q4 2025 | 80.92% | 95.53% | $0 | $0 |
| Q1 2026 | 81.80% | 95.87% | $0 | $0 |
| Q2 2026 | 86.70% | 96.43% | $0 | $0 |
Guadalupe Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Guadalupe 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 Guadalupe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58768) · FFIEC NIC profile (RSSD 3635551)