Security State 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 Other borrowed money: 6468.4% higher than in Q1 2026, at $131.0M. Security State Bank & Trust ranks 81st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 86.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Security State Bank & Trust reported 86.34% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $265.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $524.8M |
| 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 | $131.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.34% |
| Net loans and leases to deposits | 85.41% |
| Loans and leases to core deposits | 91.52% |
| Core deposits to total deposits | 94.33% |
| 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 | 78.32% | 93.05% | $12.6M | $2.1M |
| Q4 2023 | 78.60% | 92.18% | $13.3M | $2.1M |
| Q1 2024 | 81.95% | 91.48% | $9.3M | $2.1M |
| Q2 2024 | 82.55% | 92.18% | $7.9M | $2.1M |
| Q3 2024 | 82.45% | 92.62% | $5.4M | $2.0M |
| Q4 2024 | 77.65% | 92.67% | $92.4M | $2.0M |
| Q1 2025 | 80.61% | 92.74% | $9.8M | $2.0M |
| Q2 2025 | 81.37% | 93.15% | $50.0M | $17.0M |
| Q3 2025 | 80.97% | 93.77% | $0 | $2.0M |
| Q4 2025 | 82.39% | 94.46% | $0 | $106.2M |
| Q1 2026 | 85.70% | 94.29% | $0 | $2.0M |
| Q2 2026 | 86.34% | 94.33% | $0 | $131.0M |
Security State Bank & Trust 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 & 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 Security State Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15809) · FFIEC NIC profile (RSSD 247355)