Southside 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.
The standout move of Q2 2026 was in Other borrowed money: 132.5% higher than in Q1 2026, at $1.35B. Southside Bank ranks 128th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 80.18% (Q2 2026). Southside Bank reported 80.18% on loan-to-deposit ratio for Q2 2026, 8.02 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $397.3M |
| Cash and noninterest-bearing balances to assets | 4.30% |
| Cash and securities | $3.18B |
| Fed funds sold and reverse repos | $20.6M |
| Fed funds sold and reverse repos to assets | 0.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $64.8M |
| Other borrowed money | $1.35B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.18% |
| Net loans and leases to deposits | 79.45% |
| Loans and leases to core deposits | 90.29% |
| Core deposits to total deposits | 88.72% |
| Brokered deposits to total deposits | 0.08% |
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 | 69.49% | 81.99% | $103.9M | $504.1M |
| Q4 2023 | 69.19% | 81.70% | $92.1M | $630.4M |
| Q1 2024 | 69.85% | 82.29% | $91.6M | $678.6M |
| Q2 2024 | 70.60% | 83.41% | $88.0M | $675.7M |
| Q3 2024 | 71.03% | 81.02% | $80.8M | $785.0M |
| Q4 2024 | 69.90% | 80.86% | $76.4M | $731.9M |
| Q1 2025 | 68.98% | 81.64% | $79.7M | $611.7M |
| Q2 2025 | 69.33% | 80.49% | $69.8M | $541.5M |
| Q3 2025 | 67.44% | 78.03% | $99.4M | $101.3M |
| Q4 2025 | 69.41% | 80.53% | $98.7M | $321.1M |
| Q1 2026 | 71.92% | 78.70% | $90.5M | $580.9M |
| Q2 2026 | 80.18% | 88.72% | $64.8M | $1.35B |
Southside Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southside 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 Southside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18297) · FFIEC NIC profile (RSSD 361167)