Round Top 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 fell 4.3% from Q1 2026 to Q2 2026, ending at $57.5M against $60.0M. It was the largest change among the key lines on this page. Within Texas, Round Top State Bank is 196th of 346 on loan-to-deposit ratio, 68.90% as of Q2 2026, below the middle of the field. Round Top State Bank reported 68.90% on loan-to-deposit ratio for Q2 2026, 11.94 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $355.8M |
| Fed funds sold and reverse repos | $29.3M |
| Fed funds sold and reverse repos to assets | 3.00% |
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 | 68.90% |
| Net loans and leases to deposits | 68.28% |
| Loans and leases to core deposits | 82.90% |
| Core deposits to total deposits | 83.10% |
| 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 | 68.71% | 86.47% | $0 | $0 |
| Q4 2023 | 68.95% | 86.15% | $0 | $0 |
| Q1 2024 | 70.59% | 85.80% | $0 | $60.0M |
| Q2 2024 | 72.44% | 85.27% | $0 | $60.0M |
| Q3 2024 | 72.28% | 84.85% | $0 | $0 |
| Q4 2024 | 70.73% | 83.98% | $0 | $0 |
| Q1 2025 | 71.38% | 85.15% | $0 | $0 |
| Q2 2025 | 69.92% | 84.97% | $0 | $0 |
| Q3 2025 | 69.06% | 85.09% | $0 | $0 |
| Q4 2025 | 69.44% | 83.87% | $0 | $0 |
| Q1 2026 | 68.91% | 82.84% | $0 | $0 |
| Q2 2026 | 68.90% | 83.10% | $0 | $0 |
Round Top State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Round Top 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 Round Top State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19358) · FFIEC NIC profile (RSSD 665865)