Marion 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 4.66 percentage points in Q2 2026, from 54.91% to 59.57%. It was the largest change from Q1 2026 among the key lines here. Marion State Bank ranks 278th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 47.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Marion State Bank sits 33.21 points lower, at 47.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.1M |
| 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 | 47.63% |
| Net loans and leases to deposits | 47.35% |
| Loans and leases to core deposits | 59.57% |
| Core deposits to total deposits | 79.96% |
| 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 | 46.23% | 86.17% | $0 | $0 |
| Q4 2023 | 46.44% | 82.57% | $0 | $0 |
| Q1 2024 | 49.54% | 84.47% | $0 | $0 |
| Q2 2024 | 47.51% | 82.96% | $0 | $0 |
| Q3 2024 | 50.46% | 82.68% | $0 | $0 |
| Q4 2024 | 50.16% | 81.71% | $0 | $0 |
| Q1 2025 | 50.13% | 81.22% | $0 | $0 |
| Q2 2025 | 50.23% | 81.47% | $0 | $0 |
| Q3 2025 | 46.40% | 80.87% | $0 | $0 |
| Q4 2025 | 47.23% | 80.17% | $0 | $0 |
| Q1 2026 | 44.89% | 81.75% | $0 | $0 |
| Q2 2026 | 47.63% | 79.96% | $0 | $0 |
Marion State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion 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 Marion State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15355) · FFIEC NIC profile (RSSD 484057)