Homebank 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.
The standout move of Q2 2026 was in Other borrowed money: 100.0% lower than in Q1 2026, at $0. Homebank Texas ranks 97th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Homebank Texas sits 3.95 points higher, at 84.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $89.8M |
| Fed funds sold and reverse repos | $50.7M |
| Fed funds sold and reverse repos to assets | 12.58% |
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 | 84.79% |
| Net loans and leases to deposits | 83.52% |
| Loans and leases to core deposits | 98.90% |
| Core deposits to total deposits | 82.35% |
| Brokered deposits to total deposits | 3.38% |
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 | 96.77% | 91.39% | $0 | $9.5M |
| Q4 2023 | 95.09% | 82.96% | $0 | $9.5M |
| Q1 2024 | 98.70% | 82.06% | $0 | $9.3M |
| Q2 2024 | 97.86% | 81.90% | $0 | $5.0M |
| Q3 2024 | 91.89% | 81.81% | $0 | $5.0M |
| Q4 2024 | 91.51% | 81.34% | $0 | $5.0M |
| Q1 2025 | 93.50% | 82.16% | $0 | $5.0M |
| Q2 2025 | 91.04% | 81.23% | $0 | $5.0M |
| Q3 2025 | 91.08% | 81.31% | $0 | $5.0M |
| Q4 2025 | 90.60% | 81.21% | $0 | $5.0M |
| Q1 2026 | 86.08% | 83.53% | $0 | $5.0M |
| Q2 2026 | 84.79% | 82.35% | $0 | $0 |
Homebank Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Homebank 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 Homebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17094) · FFIEC NIC profile (RSSD 522669)