Robert Lee 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.
Cash and balances due from depository institutions dropped 38.1% in Q2 2026, from $6.6M to $4.1M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Robert Lee State Bank is 307th of 346 on loan-to-deposit ratio, 39.34% as of Q2 2026. Robert Lee State Bank reported 39.34% on loan-to-deposit ratio for Q2 2026, 27.98 points below the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.1M |
| Fed funds sold and reverse repos | $247K |
| Fed funds sold and reverse repos to assets | 0.58% |
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 | 39.34% |
| Net loans and leases to deposits | 38.88% |
| Loans and leases to core deposits | 42.98% |
| Core deposits to total deposits | 91.54% |
| 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 | 35.28% | 90.91% | $0 | $0 |
| Q4 2023 | 39.35% | 91.03% | $302K | $0 |
| Q1 2024 | 33.68% | 92.22% | $0 | $0 |
| Q2 2024 | 36.98% | 91.65% | $0 | $0 |
| Q3 2024 | 41.38% | 88.82% | $0 | $0 |
| Q4 2024 | 43.32% | 90.05% | $0 | $0 |
| Q1 2025 | 36.18% | 91.75% | $0 | $0 |
| Q2 2025 | 39.68% | 90.91% | $0 | $0 |
| Q3 2025 | 42.05% | 92.21% | $0 | $0 |
| Q4 2025 | 42.96% | 91.96% | $0 | $0 |
| Q1 2026 | 37.99% | 92.40% | $0 | $0 |
| Q2 2026 | 39.34% | 91.54% | $0 | $0 |
Robert Lee State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Robert Lee 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 Robert Lee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15442) · FFIEC NIC profile (RSSD 803265)