Incommons 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 Other borrowed money: 37.5% lower than in Q1 2026, at $5.0M. Incommons Bank, N.A. ranks 130th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 79.92% (Q2 2026). At 79.92%, Incommons Bank, N.A.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.1M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.92% |
| Net loans and leases to deposits | 79.00% |
| Loans and leases to core deposits | 84.30% |
| Core deposits to total deposits | 94.81% |
| 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 | 80.52% | 94.03% | $0 | $10.0M |
| Q4 2023 | 84.76% | 93.93% | $0 | $22.7M |
| Q1 2024 | 85.14% | 94.14% | $0 | $19.0M |
| Q2 2024 | 85.65% | 95.55% | $0 | $24.7M |
| Q3 2024 | 81.28% | 94.91% | $0 | $26.0M |
| Q4 2024 | 79.14% | 95.04% | $0 | $9.0M |
| Q1 2025 | 83.57% | 96.05% | $0 | $11.0M |
| Q2 2025 | 86.61% | 95.80% | $0 | $16.5M |
| Q3 2025 | 90.36% | 95.56% | $0 | $23.7M |
| Q4 2025 | 90.51% | 95.17% | $0 | $20.1M |
| Q1 2026 | 81.50% | 95.01% | $0 | $8.0M |
| Q2 2026 | 79.92% | 94.81% | $0 | $5.0M |
Incommons 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 Incommons 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 Incommons Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3342) · FFIEC NIC profile (RSSD 414858)