Muenster 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.
Cash and balances due from depository institutions climbed 36.0% in Q2 2026, from $4.6M to $6.3M. It was the largest change from Q1 2026 among the key lines here. Muenster State Bank ranks 293rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 42.91% (Q2 2026). Muenster State Bank reported 42.91% on loan-to-deposit ratio for Q2 2026, 38.03 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $137.2M |
| 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 | $7.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.08% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 42.91% |
| Net loans and leases to deposits | 42.51% |
| Loans and leases to core deposits | 45.73% |
| Core deposits to total deposits | 93.84% |
| 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 | 35.33% | 95.81% | $0 | $11.0M |
| Q4 2023 | 35.53% | 96.04% | $0 | $5.0M |
| Q1 2024 | 39.20% | 96.22% | $0 | $14.4M |
| Q2 2024 | 38.72% | 96.25% | $0 | $11.0M |
| Q3 2024 | 39.21% | 95.73% | $0 | $11.0M |
| Q4 2024 | 37.64% | 95.91% | $0 | $7.0M |
| Q1 2025 | 38.87% | 95.16% | $0 | $9.0M |
| Q2 2025 | 39.56% | 94.80% | $0 | $11.0M |
| Q3 2025 | 41.77% | 93.63% | $0 | $12.0M |
| Q4 2025 | 42.72% | 93.53% | $0 | $9.0M |
| Q1 2026 | 43.03% | 92.92% | $0 | $5.5M |
| Q2 2026 | 42.91% | 93.84% | $0 | $7.0M |
Muenster State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Muenster 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 Muenster State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15523) · FFIEC NIC profile (RSSD 765662)