Security 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.
Loans and leases to core deposits dropped 9.32 percentage points in Q2 2026, from 103.13% to 93.81%. It was the largest change from Q1 2026 among the key lines here. Security Bank of Texas ranks 115th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 82.17% (Q2 2026). At 82.17%, Security Bank of Texas's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.1M |
| 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 | 82.17% |
| Net loans and leases to deposits | 81.06% |
| Loans and leases to core deposits | 93.81% |
| Core deposits to total deposits | 87.60% |
| 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 | 79.54% | 76.80% | $0 | $0 |
| Q4 2023 | 78.89% | 77.27% | $0 | $0 |
| Q1 2024 | 79.50% | 77.27% | $0 | $0 |
| Q2 2024 | 82.05% | 77.84% | $0 | $0 |
| Q3 2024 | 77.46% | 79.54% | $0 | $0 |
| Q4 2024 | 86.08% | 80.90% | $0 | $0 |
| Q1 2025 | 93.80% | 79.20% | $0 | $0 |
| Q2 2025 | 86.28% | 80.65% | $0 | $0 |
| Q3 2025 | 85.03% | 83.66% | $0 | $0 |
| Q4 2025 | 85.24% | 84.99% | $0 | $0 |
| Q1 2026 | 87.58% | 84.76% | $0 | $0 |
| Q2 2026 | 82.17% | 87.60% | $0 | $0 |
Security 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 Security 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 Security Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15731) · FFIEC NIC profile (RSSD 435666)