Interstate 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.
Loans and leases to core deposits climbed 2.62 percentage points in Q2 2026, from 55.13% to 57.74%. It was the largest change from Q1 2026 among the key lines here. Interstate Bank ranks 268th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 53.33% (Q2 2026). Interstate Bank reported 53.33% on loan-to-deposit ratio for Q2 2026, 27.23 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $139.1M |
| 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 | $22K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.33% |
| Net loans and leases to deposits | 51.93% |
| Loans and leases to core deposits | 57.74% |
| Core deposits to total deposits | 92.35% |
| 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 | 68.27% | 93.15% | $0 | $22K |
| Q4 2023 | 63.09% | 93.45% | $0 | $22K |
| Q1 2024 | 71.44% | 93.01% | $0 | $189K |
| Q2 2024 | 71.21% | 91.08% | $0 | $22K |
| Q3 2024 | 71.58% | 90.43% | $0 | $22K |
| Q4 2024 | 62.84% | 91.41% | $0 | $22K |
| Q1 2025 | 62.64% | 91.86% | $0 | $22K |
| Q2 2025 | 61.53% | 91.87% | $0 | $22K |
| Q3 2025 | 60.90% | 92.52% | $0 | $122K |
| Q4 2025 | 55.26% | 92.90% | $0 | $22K |
| Q1 2026 | 51.23% | 92.93% | $0 | $22K |
| Q2 2026 | 53.33% | 92.35% | $0 | $22K |
Interstate Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Interstate 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 Interstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31043) · FFIEC NIC profile (RSSD 791072)