Security 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.
Loans and leases to core deposits climbed 2.58 percentage points in Q2 2026, from 86.46% to 89.04%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Security State Bank is 263rd of 346 on loan-to-deposit ratio, 55.19% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Security State Bank sits 33.01 points lower, at 55.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $225.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $548.9M |
| 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 | 55.19% |
| Net loans and leases to deposits | 54.69% |
| Loans and leases to core deposits | 89.04% |
| Core deposits to total deposits | 61.98% |
| 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 | 61.29% | 74.13% | $0 | $0 |
| Q4 2023 | 58.88% | 75.51% | $0 | $0 |
| Q1 2024 | 60.26% | 72.81% | $0 | $0 |
| Q2 2024 | 64.75% | 72.34% | $0 | $0 |
| Q3 2024 | 68.71% | 69.57% | $0 | $0 |
| Q4 2024 | 65.09% | 70.17% | $0 | $0 |
| Q1 2025 | 66.73% | 67.13% | $0 | $0 |
| Q2 2025 | 68.34% | 65.87% | $0 | $0 |
| Q3 2025 | 70.29% | 64.42% | $0 | $0 |
| Q4 2025 | 65.86% | 66.01% | $0 | $0 |
| Q1 2026 | 54.38% | 62.90% | $0 | $0 |
| Q2 2026 | 55.19% | 61.98% | $0 | $0 |
Security State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Security 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1497) · FFIEC NIC profile (RSSD 839068)