Pinnacle 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 25.6% in Q2 2026, from $111.5M to $140.1M. It was the largest change from Q1 2026 among the key lines here. Pinnacle Bank ranks 121st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 81.63% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Pinnacle Bank sits 6.57 points lower, at 81.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $140.1M |
| Cash and noninterest-bearing balances to assets | 5.15% |
| Cash and securities | $646.3M |
| 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 | $163K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.63% |
| Net loans and leases to deposits | 80.68% |
| Loans and leases to core deposits | 86.16% |
| Core deposits to total deposits | 94.75% |
| Brokered deposits to total deposits | 0.15% |
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 | 75.16% | 95.21% | $0 | $41.2M |
| Q4 2023 | 74.79% | 95.30% | $0 | $41.1M |
| Q1 2024 | 72.15% | 95.31% | $0 | $121.0M |
| Q2 2024 | 70.07% | 95.42% | $0 | $164.3M |
| Q3 2024 | 71.56% | 94.40% | $0 | $852K |
| Q4 2024 | 72.94% | 94.34% | $0 | $789K |
| Q1 2025 | 72.98% | 94.80% | $0 | $483K |
| Q2 2025 | 77.62% | 94.69% | $0 | $367K |
| Q3 2025 | 78.89% | 94.38% | $0 | $306K |
| Q4 2025 | 79.07% | 94.42% | $0 | $247K |
| Q1 2026 | 80.48% | 94.86% | $0 | $201K |
| Q2 2026 | 81.63% | 94.75% | $0 | $163K |
Pinnacle Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle 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 Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20231) · FFIEC NIC profile (RSSD 867650)