Southstar Bank, S.S.B.: 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.
Net loans and leases to deposits climbed 3.79 percentage points in Q2 2026, from 88.15% to 91.94%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Southstar Bank, S.S.B. is 37th of 346 on loan-to-deposit ratio, 92.61% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southstar Bank, S.S.B. sits 4.40 points higher, at 92.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $94.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $275.0M |
| 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 | $67.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.61% |
| Net loans and leases to deposits | 91.94% |
| Loans and leases to core deposits | 110.59% |
| Core deposits to total deposits | 83.67% |
| Brokered deposits to total deposits | 0.07% |
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 | 100.33% | 84.83% | $0 | $160.3M |
| Q4 2023 | 99.20% | 85.43% | $0 | $149.3M |
| Q1 2024 | 100.75% | 85.59% | $0 | $153.3M |
| Q2 2024 | 103.37% | 84.94% | $0 | $164.6M |
| Q3 2024 | 99.87% | 85.40% | $0 | $131.1M |
| Q4 2024 | 97.19% | 84.83% | $0 | $101.3M |
| Q1 2025 | 89.58% | 83.43% | $0 | $75.3M |
| Q2 2025 | 93.98% | 82.99% | $0 | $74.2M |
| Q3 2025 | 91.86% | 83.13% | $0 | $73.2M |
| Q4 2025 | 95.05% | 82.80% | $0 | $72.1M |
| Q1 2026 | 88.83% | 82.72% | $0 | $71.1M |
| Q2 2026 | 92.61% | 83.67% | $0 | $67.0M |
Southstar Bank, S.S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southstar Bank, S.S.B., 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 Southstar Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12299) · FFIEC NIC profile (RSSD 171768)