Pointwest 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 sold and reverse repos: 33.3% lower than in Q1 2026, at $2.0M. Within Texas, Pointwest Bank is 299th of 346 on loan-to-deposit ratio, 40.53% as of Q2 2026. Pointwest Bank reported 40.53% on loan-to-deposit ratio for Q2 2026, 40.03 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.1M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 1.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.5M |
| 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 | 40.53% |
| Net loans and leases to deposits | 40.08% |
| Loans and leases to core deposits | 41.10% |
| Core deposits to total deposits | 98.59% |
| Brokered deposits to total deposits | 0.00% |
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 | 28.27% | 98.65% | $2.9M | $0 |
| Q4 2023 | 34.29% | 98.59% | $2.3M | $0 |
| Q1 2024 | 35.99% | 98.55% | $2.4M | $0 |
| Q2 2024 | 36.54% | 97.93% | $2.8M | $0 |
| Q3 2024 | 36.02% | 98.53% | $2.6M | $0 |
| Q4 2024 | 38.79% | 98.37% | $2.2M | $0 |
| Q1 2025 | 40.87% | 98.30% | $2.0M | $0 |
| Q2 2025 | 41.08% | 98.30% | $1.5M | $0 |
| Q3 2025 | 40.02% | 98.32% | $1.5M | $0 |
| Q4 2025 | 40.49% | 98.92% | $1.5M | $0 |
| Q1 2026 | 40.73% | 98.61% | $1.5M | $0 |
| Q2 2026 | 40.53% | 98.59% | $1.5M | $0 |
Pointwest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pointwest 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 Pointwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13600) · FFIEC NIC profile (RSSD 292467)