Jefferson 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 Cash and balances due from depository institutions: 20.1% higher than in Q1 2026, at $237.7M. Within Texas, Jefferson Bank is 153rd of 346 on loan-to-deposit ratio, 75.63% as of Q2 2026. Jefferson Bank reported 75.63% on loan-to-deposit ratio for Q2 2026, 12.57 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $237.7M |
| Cash and noninterest-bearing balances to assets | 8.27% |
| Cash and securities | $706.4M |
| 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 | $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 | 75.63% |
| Net loans and leases to deposits | 75.01% |
| Loans and leases to core deposits | 94.93% |
| Core deposits to total deposits | 79.68% |
| 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 | 68.93% | 75.37% | $0 | $150.0M |
| Q4 2023 | 70.28% | 74.25% | $0 | $150.0M |
| Q1 2024 | 69.58% | 72.75% | $0 | $125.0M |
| Q2 2024 | 70.72% | 71.43% | $0 | $125.0M |
| Q3 2024 | 71.80% | 71.57% | $0 | $125.0M |
| Q4 2024 | 71.45% | 72.74% | $0 | $0 |
| Q1 2025 | 73.20% | 74.89% | $0 | $25.0M |
| Q2 2025 | 73.45% | 74.20% | $0 | $0 |
| Q3 2025 | 75.47% | 78.02% | $0 | $0 |
| Q4 2025 | 69.89% | 79.70% | $0 | $0 |
| Q1 2026 | 75.70% | 78.20% | $0 | $0 |
| Q2 2026 | 75.63% | 79.68% | $0 | $0 |
Jefferson Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Jefferson 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 Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16470) · FFIEC NIC profile (RSSD 45560)