Pointbank: 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.
Other borrowed money climbed 87.3% in Q2 2026, from $55.0M to $103.0M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Pointbank is 241st of 346 on loan-to-deposit ratio, 61.14% as of Q2 2026. Pointbank reported 61.14% on loan-to-deposit ratio for Q2 2026, 27.06 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $554.8M |
| 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 | $0 |
| Other borrowed money | $103.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.14% |
| Net loans and leases to deposits | 60.17% |
| Loans and leases to core deposits | 66.50% |
| Core deposits to total deposits | 88.40% |
| Brokered deposits to total deposits | 3.54% |
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 | 53.14% | 93.45% | $0 | $0 |
| Q4 2023 | 52.82% | 93.30% | $0 | $0 |
| Q1 2024 | 55.03% | 92.40% | $0 | $0 |
| Q2 2024 | 56.62% | 89.82% | $0 | $0 |
| Q3 2024 | 58.91% | 89.23% | $0 | $20.0M |
| Q4 2024 | 58.14% | 90.10% | $0 | $25.0M |
| Q1 2025 | 59.81% | 90.03% | $0 | $45.0M |
| Q2 2025 | 64.07% | 90.88% | $0 | $95.0M |
| Q3 2025 | 62.27% | 90.92% | $0 | $95.0M |
| Q4 2025 | 57.42% | 90.20% | $0 | $0 |
| Q1 2026 | 56.25% | 89.07% | $0 | $55.0M |
| Q2 2026 | 61.14% | 88.40% | $0 | $103.0M |
Pointbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pointbank, 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 Pointbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3389) · FFIEC NIC profile (RSSD 844567)