One World 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.
The standout move of Q2 2026 was in Net loans and leases to deposits: 1.08 percentage points higher than in Q1 2026, at 90.14%. One World Bank ranks 45th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 91.44% (Q2 2026). One World Bank reported 91.44% on loan-to-deposit ratio for Q2 2026, 10.60 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.5M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 0.78% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.44% |
| Net loans and leases to deposits | 90.14% |
| Loans and leases to core deposits | 120.68% |
| Core deposits to total deposits | 75.77% |
| 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 | 87.86% | 72.14% | $0 | $6.4M |
| Q4 2023 | 78.75% | 76.46% | $0 | $6.3M |
| Q1 2024 | 87.67% | 76.73% | $0 | $6.2M |
| Q2 2024 | 95.65% | 78.34% | $0 | $6.0M |
| Q3 2024 | 85.91% | 77.66% | $0 | $5.9M |
| Q4 2024 | 92.58% | 77.22% | $0 | $5.8M |
| Q1 2025 | 89.36% | 77.44% | $0 | $5.7M |
| Q2 2025 | 88.03% | 77.57% | $0 | $5.6M |
| Q3 2025 | 93.08% | 77.31% | $0 | $5.5M |
| Q4 2025 | 87.62% | 75.94% | $0 | $20.4M |
| Q1 2026 | 90.63% | 75.67% | $0 | $5.3M |
| Q2 2026 | 91.44% | 75.77% | $0 | $5.2M |
One World Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock One World 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 One World Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57901) · FFIEC NIC profile (RSSD 3296859)