Southwest 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.
Cash and balances due from depository institutions dropped 52.3% in Q2 2026, from $78.5M to $37.5M. It was the largest change from Q1 2026 among the key lines here. Within Texas, Southwest Bank is 118th of 346 on loan-to-deposit ratio, 81.90% as of Q2 2026, above the middle of the field. At 81.90%, Southwest Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $169.0M |
| 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 | $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 | 81.90% |
| Net loans and leases to deposits | 79.83% |
| Loans and leases to core deposits | 87.03% |
| Core deposits to total deposits | 94.10% |
| 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 | 81.60% | 96.86% | $0 | $0 |
| Q4 2023 | 81.39% | 97.22% | $0 | $0 |
| Q1 2024 | 81.61% | 96.03% | $0 | $0 |
| Q2 2024 | 82.70% | 95.81% | $0 | $0 |
| Q3 2024 | 76.22% | 95.99% | $0 | $0 |
| Q4 2024 | 81.69% | 95.67% | $0 | $0 |
| Q1 2025 | 75.63% | 96.11% | $0 | $0 |
| Q2 2025 | 77.32% | 96.00% | $0 | $0 |
| Q3 2025 | 77.34% | 94.63% | $0 | $0 |
| Q4 2025 | 77.66% | 94.93% | $0 | $0 |
| Q1 2026 | 78.44% | 94.36% | $0 | $0 |
| Q2 2026 | 81.90% | 94.10% | $0 | $0 |
Southwest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest 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 Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16652) · FFIEC NIC profile (RSSD 561864)