Shelby Savings Bank, SSB: 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.
Loan-to-deposit ratio dropped 1.24 percentage points in Q2 2026, from 86.47% to 85.23%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Shelby Savings Bank, SSB is 90th of 346 on loan-to-deposit ratio, 85.23% as of Q2 2026, above the middle of the field. Shelby Savings Bank, SSB reported 85.23% on loan-to-deposit ratio for Q2 2026, 4.39 points above 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 | $84.1M |
| Cash and noninterest-bearing balances to assets | 18.38% |
| Cash and securities | $119.4M |
| 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 | $39.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.23% |
| Net loans and leases to deposits | 84.13% |
| Loans and leases to core deposits | 95.12% |
| Core deposits to total deposits | 88.21% |
| Brokered deposits to total deposits | 1.40% |
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 | 93.96% | 95.18% | $0 | $51.5M |
| Q4 2023 | 91.32% | 94.26% | $0 | $45.8M |
| Q1 2024 | 89.29% | 93.02% | $0 | $47.1M |
| Q2 2024 | 89.82% | 91.20% | $0 | $45.4M |
| Q3 2024 | 90.92% | 90.87% | $0 | $44.6M |
| Q4 2024 | 90.44% | 91.80% | $0 | $42.9M |
| Q1 2025 | 100.27% | 90.89% | $0 | $43.2M |
| Q2 2025 | 93.51% | 90.18% | $0 | $44.5M |
| Q3 2025 | 91.81% | 89.87% | $0 | $43.9M |
| Q4 2025 | 88.64% | 88.88% | $0 | $43.3M |
| Q1 2026 | 86.47% | 88.95% | $0 | $40.7M |
| Q2 2026 | 85.23% | 88.21% | $0 | $39.1M |
Shelby Savings Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Shelby Savings Bank, SSB, 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 Shelby Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32135) · FFIEC NIC profile (RSSD 552974)