Plains 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.35 percentage points lower than in Q1 2026, at 106.87%. Within Texas, Plains State Bank is 48th of 346 on loan-to-deposit ratio, 90.73% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Plains State Bank sits 9.89 points higher, at 90.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $124.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $196.9M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.73% |
| Net loans and leases to deposits | 89.24% |
| Loans and leases to core deposits | 106.87% |
| Core deposits to total deposits | 73.55% |
| Brokered deposits to total deposits | 11.34% |
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 | 96.69% | 68.24% | $0 | $0 |
| Q4 2023 | 92.11% | 67.44% | $0 | $0 |
| Q1 2024 | 91.65% | 68.62% | $0 | $0 |
| Q2 2024 | 89.18% | 70.11% | $0 | $0 |
| Q3 2024 | 87.49% | 69.53% | $0 | $0 |
| Q4 2024 | 90.80% | 69.71% | $0 | $0 |
| Q1 2025 | 81.78% | 73.58% | $0 | $0 |
| Q2 2025 | 94.18% | 75.55% | $0 | $0 |
| Q3 2025 | 97.28% | 74.26% | $0 | $0 |
| Q4 2025 | 89.80% | 72.62% | $0 | $0 |
| Q1 2026 | 91.62% | 73.62% | $0 | $0 |
| Q2 2026 | 90.73% | 73.55% | $0 | $0 |
Plains State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Plains 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 Plains State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17739) · FFIEC NIC profile (RSSD 972862)