PlainsCapital 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 Fed funds purchased and repos: 116.7% higher than in Q1 2026, at $480.3M. Within Texas, PlainsCapital Bank is 74th of 346 on loan-to-deposit ratio, 87.01% as of Q2 2026, above the middle of the field. At 87.01%, PlainsCapital Bank's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $721.1M |
| Cash and noninterest-bearing balances to assets | 5.68% |
| Cash and securities | $2.85B |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $480.3M |
| Other borrowed money | $61.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.48% |
| Trading liabilities | $2.3M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.01% |
| Net loans and leases to deposits | 86.21% |
| Loans and leases to core deposits | 91.90% |
| Core deposits to total deposits | 94.53% |
| Brokered deposits to total deposits | 0.14% |
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 | 80.31% | 92.45% | $447.9M | $55.0M |
| Q4 2023 | 78.31% | 93.30% | $459.7M | $51.6M |
| Q1 2024 | 78.74% | 93.47% | $442.8M | $56.2M |
| Q2 2024 | 87.21% | 94.54% | $417.5M | $52.0M |
| Q3 2024 | 78.08% | 94.30% | $495.3M | $49.2M |
| Q4 2024 | 75.02% | 94.56% | $407.1M | $49.4M |
| Q1 2025 | 76.84% | 94.49% | $289.8M | $50.0M |
| Q2 2025 | 82.69% | 94.11% | $243.4M | $45.8M |
| Q3 2025 | 81.43% | 94.25% | $207.0M | $47.9M |
| Q4 2025 | 81.71% | 94.57% | $153.2M | $47.6M |
| Q1 2026 | 83.15% | 94.49% | $221.7M | $60.9M |
| Q2 2026 | 87.01% | 94.53% | $480.3M | $61.0M |
PlainsCapital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock PlainsCapital 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 PlainsCapital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17491) · FFIEC NIC profile (RSSD 637451)