Lea County State 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.
Brokered deposits to total deposits climbed 5.29 percentage points in Q2 2026, from 7.58% to 12.87%. It was the largest change from Q1 2026 among the key lines here. Lea County State Bank ranks 26th of 29 New Mexico banks on loan-to-deposit ratio, in the lower half at 35.17% (Q2 2026). Lea County State Bank's loan-to-deposit ratio of 35.17% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 45.38 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.8M |
| Cash and noninterest-bearing balances to assets | 4.58% |
| Cash and securities | $483.6M |
| 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 | $13.3M |
| 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 | 35.17% |
| Net loans and leases to deposits | 34.65% |
| Loans and leases to core deposits | 36.06% |
| Core deposits to total deposits | 84.68% |
| Brokered deposits to total deposits | 12.87% |
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 | 46.06% | 93.65% | $13.7M | $77.0M |
| Q4 2023 | 45.01% | 92.25% | $9.0M | $77.0M |
| Q1 2024 | 40.41% | 92.55% | $8.4M | $77.0M |
| Q2 2024 | 41.72% | 92.08% | $13.4M | $77.0M |
| Q3 2024 | 36.20% | 90.22% | $12.0M | $77.0M |
| Q4 2024 | 36.66% | 82.94% | $12.9M | $0 |
| Q1 2025 | 36.30% | 86.35% | $14.7M | $0 |
| Q2 2025 | 34.28% | 83.72% | $11.1M | $0 |
| Q3 2025 | 34.12% | 86.10% | $11.8M | $0 |
| Q4 2025 | 35.36% | 87.79% | $10.8M | $0 |
| Q1 2026 | 34.74% | 88.66% | $16.5M | $0 |
| Q2 2026 | 35.17% | 84.68% | $13.3M | $0 |
Lea County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lea County State 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 Lea County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12259) · FFIEC NIC profile (RSSD 1015252)