Lexicon 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: 59.5% higher than in Q1 2026, at $14.4M. Lexicon Bank has the 3rd lowest loan-to-deposit ratio of the 14 banks headquartered in Nevada, at 50.37% as of Q2 2026. Lexicon Bank reported 50.37% on loan-to-deposit ratio for Q2 2026, 30.19 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $214.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $240.9M |
| Fed funds sold and reverse repos | $14.4M |
| Fed funds sold and reverse repos to assets | 3.22% |
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 | 50.37% |
| Net loans and leases to deposits | 49.55% |
| Loans and leases to core deposits | 51.78% |
| Core deposits to total deposits | 97.26% |
| 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 | 70.41% | 89.15% | $0 | $0 |
| Q4 2023 | 71.29% | 90.41% | $0 | $7.5M |
| Q1 2024 | 71.61% | 90.77% | $0 | $7.5M |
| Q2 2024 | 63.12% | 92.56% | $0 | $7.5M |
| Q3 2024 | 64.94% | 92.93% | $0 | $0 |
| Q4 2024 | 67.23% | 93.23% | $0 | $0 |
| Q1 2025 | 47.80% | 95.39% | $0 | $0 |
| Q2 2025 | 50.32% | 95.45% | $0 | $0 |
| Q3 2025 | 48.00% | 96.27% | $0 | $0 |
| Q4 2025 | 50.65% | 97.08% | $0 | $0 |
| Q1 2026 | 49.12% | 97.50% | $0 | $0 |
| Q2 2026 | 50.37% | 97.26% | $0 | $0 |
Lexicon Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lexicon 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 Lexicon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59117) · FFIEC NIC profile (RSSD 5412457)