Southwestern National 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 Loans and leases to core deposits: 6.78 percentage points higher than in Q1 2026, at 125.85%. On loan-to-deposit ratio, Southwestern National Bank ranks 24th highest among the 346 banks headquartered in Texas, at 97.60% (Q2 2026). Southwestern National Bank reported 97.60% on loan-to-deposit ratio for Q2 2026, 9.40 points above 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 | $135.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $183.0M |
| Fed funds sold and reverse repos | $50K |
| 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 | 97.60% |
| Net loans and leases to deposits | 96.44% |
| Loans and leases to core deposits | 125.85% |
| Core deposits to total deposits | 73.84% |
| Brokered deposits to total deposits | 3.72% |
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 | 101.45% | 68.57% | $0 | $0 |
| Q4 2023 | 97.09% | 68.00% | $0 | $0 |
| Q1 2024 | 98.11% | 67.21% | $0 | $0 |
| Q2 2024 | 92.83% | 69.97% | $0 | $0 |
| Q3 2024 | 91.30% | 70.83% | $0 | $0 |
| Q4 2024 | 98.07% | 73.31% | $0 | $20.0M |
| Q1 2025 | 96.48% | 68.46% | $0 | $20.0M |
| Q2 2025 | 97.01% | 69.25% | $0 | $10.0M |
| Q3 2025 | 98.87% | 69.95% | $0 | $0 |
| Q4 2025 | 92.90% | 73.17% | $0 | $0 |
| Q1 2026 | 92.81% | 74.23% | $0 | $0 |
| Q2 2026 | 97.60% | 73.84% | $0 | $0 |
Southwestern National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwestern National 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 Southwestern National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34319) · FFIEC NIC profile (RSSD 2625724)