Houston Bank & Trust: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Houston Bank & Trust reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $34.8M in Q3 2026. That is 69.2% of its total assets.
The standout move of Q3 2026 was in Loans and leases to core deposits: 94.88 percentage points higher than in Q2 2026, at 118.87%. Among 345 Texas banks, Houston Bank & Trust sits 3rd from the top on loan-to-deposit ratio, 114.35% as of Q3 2026. Houston Bank & Trust's loan-to-deposit ratio of 114.35% is well above the 68.95% median for banks in the < $100M asset tier, a gap of 45.40 points (Q3 2026).
Liquid assets
Cash and balances due from depository institutions moved most in this table, down 7.4%: $37.6M in Q2 2026, $34.8M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 114.35% |
| Net loans and leases to deposits | 112.81% |
| Loans and leases to core deposits | 118.87% |
| Core deposits to total deposits | 96.20% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q2 2026 | 23.98% | 100.00% | $0 | $0 |
| Q3 2026 | 114.35% | 96.20% | $0 | $0 |
Houston Bank & Trust liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Houston Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 59360) · FFIEC NIC profile (RSSD 6051022)