Southtrust Bank, N.A.: 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.
Cash and balances due from depository institutions dropped 22.6% in Q2 2026, from $83.4M to $64.5M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Southtrust Bank, N.A. is 212th of 346 on loan-to-deposit ratio, 66.37% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Southtrust Bank, N.A. sits 14.46 points lower, at 66.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $64.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $226.6M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 0.68% |
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 | 66.37% |
| Net loans and leases to deposits | 65.51% |
| Loans and leases to core deposits | 71.31% |
| Core deposits to total deposits | 93.08% |
| 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 | 70.06% | 93.81% | $0 | $20.0M |
| Q4 2023 | 67.94% | 93.37% | $0 | $10.0M |
| Q1 2024 | 67.56% | 92.92% | $0 | $31.8M |
| Q2 2024 | 70.67% | 93.06% | $0 | $21.8M |
| Q3 2024 | 69.32% | 92.83% | $0 | $16.8M |
| Q4 2024 | 66.50% | 93.35% | $0 | $0 |
| Q1 2025 | 69.55% | 93.36% | $0 | $0 |
| Q2 2025 | 72.95% | 94.06% | $0 | $0 |
| Q3 2025 | 65.87% | 94.41% | $0 | $0 |
| Q4 2025 | 65.90% | 93.04% | $0 | $0 |
| Q1 2026 | 64.72% | 93.53% | $0 | $0 |
| Q2 2026 | 66.37% | 93.08% | $0 | $0 |
Southtrust Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southtrust Bank, N.A., 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 Southtrust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13919) · FFIEC NIC profile (RSSD 521158)