Producer Bank of Texas: 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 Net loans and leases to deposits: 4.04 percentage points higher than in Q1 2026, at 58.35%. Producer Bank of Texas ranks 245th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 60.19% (Q2 2026). Producer Bank of Texas reported 60.19% on loan-to-deposit ratio for Q2 2026, 7.43 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.2M |
| 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 | 60.19% |
| Net loans and leases to deposits | 58.35% |
| Loans and leases to core deposits | 63.45% |
| Core deposits to total deposits | 94.86% |
| 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 | 69.64% | 98.21% | $0 | $0 |
| Q4 2023 | 68.41% | 98.16% | $0 | $0 |
| Q1 2024 | 59.94% | 98.32% | $0 | $0 |
| Q2 2024 | 65.82% | 98.12% | $0 | $0 |
| Q3 2024 | 64.71% | 98.09% | $0 | $0 |
| Q4 2024 | 50.64% | 98.28% | $0 | $0 |
| Q1 2025 | 46.53% | 98.19% | $0 | $0 |
| Q2 2025 | 53.00% | 94.09% | $0 | $0 |
| Q3 2025 | 59.56% | 93.55% | $0 | $0 |
| Q4 2025 | 53.39% | 94.21% | $0 | $0 |
| Q1 2026 | 56.43% | 94.79% | $0 | $0 |
| Q2 2026 | 60.19% | 94.86% | $0 | $0 |
Producer Bank of Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Producer Bank of Texas, 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 Producer Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18302) · FFIEC NIC profile (RSSD 856869)