Southwest Capital 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 Fed funds sold and reverse repos: 77.4% higher than in Q1 2026, at $6.6M. Within New Mexico, Southwest Capital Bank is 17th of 29 on loan-to-deposit ratio, 55.89% 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. Southwest Capital Bank sits 24.94 points lower, at 55.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $226.1M |
| Fed funds sold and reverse repos | $6.6M |
| Fed funds sold and reverse repos to assets | 1.36% |
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 | 55.89% |
| Net loans and leases to deposits | 55.18% |
| Loans and leases to core deposits | 58.61% |
| Core deposits to total deposits | 95.36% |
| Brokered deposits to total deposits | 1.16% |
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 | 44.03% | 95.34% | $0 | $0 |
| Q4 2023 | 45.29% | 95.23% | $0 | $0 |
| Q1 2024 | 46.81% | 95.55% | $0 | $0 |
| Q2 2024 | 41.21% | 95.97% | $0 | $0 |
| Q3 2024 | 41.08% | 97.95% | $0 | $0 |
| Q4 2024 | 41.55% | 97.97% | $0 | $0 |
| Q1 2025 | 39.39% | 98.03% | $0 | $0 |
| Q2 2025 | 40.21% | 97.95% | $0 | $0 |
| Q3 2025 | 44.01% | 97.62% | $5K | $0 |
| Q4 2025 | 47.70% | 96.88% | $0 | $0 |
| Q1 2026 | 49.88% | 95.41% | $0 | $0 |
| Q2 2026 | 55.89% | 95.36% | $0 | $0 |
Southwest Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12258) · FFIEC NIC profile (RSSD 206156)