Lovelady 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.
Loans and leases to core deposits climbed 2.61 percentage points in Q2 2026, from 60.29% to 62.90%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Lovelady State Bank is 272nd of 346 on loan-to-deposit ratio, 52.51% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Lovelady State Bank sits 15.11 points lower, at 52.51% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.8M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 6.91% |
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 | 52.51% |
| Net loans and leases to deposits | 51.77% |
| Loans and leases to core deposits | 62.90% |
| Core deposits to total deposits | 83.49% |
| 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 | 48.68% | 95.26% | $0 | $0 |
| Q4 2023 | 51.70% | 95.15% | $0 | $0 |
| Q1 2024 | 53.70% | 94.92% | $0 | $0 |
| Q2 2024 | 51.49% | 94.56% | $0 | $0 |
| Q3 2024 | 49.35% | 89.42% | $0 | $0 |
| Q4 2024 | 50.75% | 88.69% | $0 | $0 |
| Q1 2025 | 48.57% | 86.75% | $0 | $0 |
| Q2 2025 | 49.35% | 87.45% | $0 | $0 |
| Q3 2025 | 50.45% | 87.82% | $0 | $0 |
| Q4 2025 | 50.24% | 84.39% | $0 | $0 |
| Q1 2026 | 51.03% | 84.63% | $0 | $0 |
| Q2 2026 | 52.51% | 83.49% | $0 | $0 |
Lovelady State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lovelady 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 Lovelady State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21807) · FFIEC NIC profile (RSSD 764151)