Lakeside 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 7.30 percentage points in Q2 2026, from 77.14% to 84.43%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Lakeside Bank is 100th of 346 on loan-to-deposit ratio, 84.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lakeside Bank sits 3.52 points higher, at 84.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $122.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $122.0M |
| Fed funds sold and reverse repos | $306K |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $19.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.36% |
| Net loans and leases to deposits | 83.38% |
| Loans and leases to core deposits | 84.43% |
| Core deposits to total deposits | 63.35% |
| Brokered deposits to total deposits | 36.56% |
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 | 65.15% | 99.46% | $0 | $47.0M |
| Q4 2023 | 73.33% | 99.60% | $0 | $47.0M |
| Q1 2024 | 72.86% | 99.62% | $0 | $47.0M |
| Q2 2024 | 73.95% | 99.51% | $0 | $47.0M |
| Q3 2024 | 78.08% | 99.52% | $0 | $19.0M |
| Q4 2024 | 89.37% | 99.44% | $0 | $19.0M |
| Q1 2025 | 87.94% | 99.89% | $0 | $19.0M |
| Q2 2025 | 82.77% | 100.00% | $0 | $19.0M |
| Q3 2025 | 71.38% | 59.63% | $0 | $19.0M |
| Q4 2025 | 81.75% | 73.07% | $0 | $19.0M |
| Q1 2026 | 77.07% | 64.93% | $0 | $19.0M |
| Q2 2026 | 84.36% | 63.35% | $0 | $19.0M |
Lakeside Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeside 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 Lakeside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21693) · FFIEC NIC profile (RSSD 32766)