Kleberg 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 Cash and balances due from depository institutions: 22.0% lower than in Q1 2026, at $44.4M. Within Texas, Kleberg Bank, N.A. is 140th of 346 on loan-to-deposit ratio, 78.21% as of Q2 2026, above the middle of the field. Kleberg Bank, N.A. reported 78.21% on loan-to-deposit ratio for Q2 2026, 2.63 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 | $44.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $168.3M |
| 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 | $37K |
| 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 | 78.21% |
| Net loans and leases to deposits | 77.24% |
| Loans and leases to core deposits | 90.04% |
| Core deposits to total deposits | 86.86% |
| 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 | 65.09% | 87.32% | $10.3M | $25.0M |
| Q4 2023 | 67.27% | 86.78% | $8.4M | $25.0M |
| Q1 2024 | 64.94% | 87.13% | $49K | $25.0M |
| Q2 2024 | 68.73% | 85.35% | $110K | $0 |
| Q3 2024 | 71.11% | 83.70% | $19K | $0 |
| Q4 2024 | 77.50% | 83.67% | $58K | $20.0M |
| Q1 2025 | 76.52% | 83.44% | $185K | $15.0M |
| Q2 2025 | 77.92% | 83.00% | $20K | $20.0M |
| Q3 2025 | 77.80% | 85.13% | $72K | $15.0M |
| Q4 2025 | 75.77% | 85.75% | $6K | $0 |
| Q1 2026 | 76.04% | 86.46% | $19K | $0 |
| Q2 2026 | 78.21% | 86.86% | $37K | $0 |
Kleberg 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 Kleberg 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 Kleberg Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3286) · FFIEC NIC profile (RSSD 556459)