Lone Star National 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.
Cash and noninterest-bearing balances to assets dropped 6.66 percentage points in Q2 2026, from 14.78% to 8.12%. It was the largest change from Q1 2026 among the key lines here. Lone Star National Bank ranks 239th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 61.46% (Q2 2026). Lone Star National Bank reported 61.46% on loan-to-deposit ratio for Q2 2026, 26.74 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $266.5M |
| Cash and noninterest-bearing balances to assets | 8.12% |
| Cash and securities | $1.35B |
| 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 | $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 | 61.46% |
| Net loans and leases to deposits | 60.70% |
| Loans and leases to core deposits | 70.95% |
| Core deposits to total deposits | 86.64% |
| 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 | 54.82% | 89.19% | $22.9M | $0 |
| Q4 2023 | 54.86% | 89.01% | $22.9M | $0 |
| Q1 2024 | 58.53% | 86.83% | $22.9M | $0 |
| Q2 2024 | 56.41% | 86.96% | $22.9M | $0 |
| Q3 2024 | 58.97% | 85.18% | $22.9M | $0 |
| Q4 2024 | 57.41% | 84.44% | $22.9M | $0 |
| Q1 2025 | 58.28% | 84.27% | $22.9M | $0 |
| Q2 2025 | 59.53% | 85.57% | $16.9M | $0 |
| Q3 2025 | 60.27% | 85.44% | $2.0M | $0 |
| Q4 2025 | 58.80% | 86.06% | $0 | $0 |
| Q1 2026 | 57.25% | 87.33% | $0 | $0 |
| Q2 2026 | 61.46% | 86.64% | $0 | $0 |
Lone Star National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lone Star National 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 Lone Star National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24347) · FFIEC NIC profile (RSSD 842460)