Johnson City 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 Fed funds sold and reverse repos to assets: 13.97 percentage points lower than in Q1 2026, at 10.90%. Within Texas, Johnson City Bank is 201st of 346 on loan-to-deposit ratio, 67.67% as of Q2 2026, below the middle of the field. Johnson City Bank reported 67.67% on loan-to-deposit ratio for Q2 2026, 13.17 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.8M |
| Fed funds sold and reverse repos | $16.0M |
| Fed funds sold and reverse repos to assets | 10.90% |
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 | 67.67% |
| Net loans and leases to deposits | 66.93% |
| Loans and leases to core deposits | 85.91% |
| Core deposits to total deposits | 78.76% |
| 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 | 76.75% | 89.31% | $0 | $0 |
| Q4 2023 | 76.79% | 89.52% | $0 | $0 |
| Q1 2024 | 76.68% | 88.99% | $0 | $0 |
| Q2 2024 | 73.66% | 88.68% | $0 | $0 |
| Q3 2024 | 71.55% | 87.87% | $0 | $0 |
| Q4 2024 | 73.38% | 87.15% | $0 | $0 |
| Q1 2025 | 74.17% | 86.15% | $0 | $0 |
| Q2 2025 | 72.10% | 85.42% | $0 | $0 |
| Q3 2025 | 70.56% | 84.95% | $0 | $0 |
| Q4 2025 | 71.89% | 84.08% | $0 | $0 |
| Q1 2026 | 66.44% | 82.38% | $0 | $0 |
| Q2 2026 | 67.67% | 78.76% | $0 | $0 |
Johnson City Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Johnson City 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 Johnson City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16176) · FFIEC NIC profile (RSSD 977652)