Schertz Bank & Trust: 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 Loans and leases to core deposits: 4.13 percentage points lower than in Q1 2026, at 120.42%. On loan-to-deposit ratio, Schertz Bank & Trust ranks 34th highest among the 346 banks headquartered in Texas, at 94.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Schertz Bank & Trust sits 13.77 points higher, at 94.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $94.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.4M |
| 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 | 94.61% |
| Net loans and leases to deposits | 93.19% |
| Loans and leases to core deposits | 120.42% |
| Core deposits to total deposits | 77.95% |
| Brokered deposits to total deposits | 0.62% |
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 | 103.26% | 73.91% | $0 | $25.0M |
| Q4 2023 | 100.61% | 77.13% | $0 | $25.0M |
| Q1 2024 | 92.71% | 76.31% | $0 | $15.0M |
| Q2 2024 | 90.18% | 76.51% | $0 | $15.0M |
| Q3 2024 | 88.36% | 75.51% | $0 | $15.0M |
| Q4 2024 | 89.50% | 74.88% | $0 | $15.0M |
| Q1 2025 | 93.99% | 74.05% | $0 | $0 |
| Q2 2025 | 93.16% | 75.03% | $0 | $0 |
| Q3 2025 | 92.32% | 74.68% | $0 | $0 |
| Q4 2025 | 93.89% | 74.62% | $0 | $0 |
| Q1 2026 | 96.26% | 75.97% | $0 | $0 |
| Q2 2026 | 94.61% | 77.95% | $0 | $0 |
Schertz Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Schertz Bank & Trust, 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 Schertz Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10344) · FFIEC NIC profile (RSSD 583268)