NexBank: 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 138.2% in Q2 2026, from $483.4M to $1.15B. It was the largest change from Q1 2026 among the key lines here. NexBank ranks 99th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.52% (Q2 2026). At 84.52%, NexBank's loan-to-deposit ratio is close to the 86.87% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.15B |
| Cash and noninterest-bearing balances to assets | 8.13% |
| Cash and securities | $3.63B |
| 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 | $1.85B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.52% |
| Net loans and leases to deposits | 84.17% |
| Loans and leases to core deposits | 85.35% |
| Core deposits to total deposits | 93.40% |
| Brokered deposits to total deposits | 5.62% |
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 | 85.40% | 76.42% | $0 | $2.96B |
| Q4 2023 | 83.23% | 70.74% | $0 | $2.65B |
| Q1 2024 | 83.72% | 81.83% | $0 | $2.69B |
| Q2 2024 | 82.10% | 88.23% | $0 | $2.16B |
| Q3 2024 | 87.13% | 88.56% | $0 | $1.98B |
| Q4 2024 | 88.24% | 91.15% | $0 | $2.28B |
| Q1 2025 | 84.21% | 92.54% | $0 | $1.91B |
| Q2 2025 | 89.25% | 93.52% | $0 | $2.11B |
| Q3 2025 | 82.62% | 92.81% | $0 | $1.86B |
| Q4 2025 | 87.87% | 91.62% | $0 | $1.85B |
| Q1 2026 | 89.73% | 91.33% | $0 | $1.85B |
| Q2 2026 | 84.52% | 93.40% | $0 | $1.85B |
NexBank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock NexBank, 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 NexBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29209) · FFIEC NIC profile (RSSD 652874)