Pilgrim 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 Cash and balances due from depository institutions: 47.8% lower than in Q1 2026, at $11.4M. Pilgrim Bank ranks 126th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 80.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Pilgrim Bank reported 80.47% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $204.8M |
| 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 | $226K |
| Other borrowed money | $66.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.47% |
| Net loans and leases to deposits | 79.67% |
| Loans and leases to core deposits | 90.38% |
| Core deposits to total deposits | 84.26% |
| Brokered deposits to total deposits | 4.78% |
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 | 81.52% | 90.84% | $0 | $60.5M |
| Q4 2023 | 81.72% | 87.09% | $0 | $61.2M |
| Q1 2024 | 82.52% | 84.50% | $0 | $64.8M |
| Q2 2024 | 83.92% | 80.77% | $0 | $65.2M |
| Q3 2024 | 85.40% | 84.81% | $0 | $66.8M |
| Q4 2024 | 87.58% | 85.42% | $0 | $71.8M |
| Q1 2025 | 84.63% | 85.69% | $0 | $64.1M |
| Q2 2025 | 81.51% | 85.20% | $0 | $53.4M |
| Q3 2025 | 82.00% | 84.05% | $0 | $65.9M |
| Q4 2025 | 82.43% | 84.19% | $0 | $63.4M |
| Q1 2026 | 80.10% | 84.12% | $0 | $60.4M |
| Q2 2026 | 80.47% | 84.26% | $226K | $66.2M |
Pilgrim Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pilgrim 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 Pilgrim Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16891) · FFIEC NIC profile (RSSD 911160)