Spectra 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 Loan-to-deposit ratio: 9.90 percentage points higher than in Q1 2026, at 78.71%. Spectra Bank ranks 134th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 78.71% (Q2 2026). At 78.71%, Spectra 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 | $14.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.8M |
| 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 | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.71% |
| Net loans and leases to deposits | 77.92% |
| Loans and leases to core deposits | 96.58% |
| Core deposits to total deposits | 81.50% |
| 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 | 65.55% | 87.10% | $3.7M | $58K |
| Q4 2023 | 63.65% | 87.52% | $374K | $48K |
| Q1 2024 | 65.80% | 87.33% | $1.3M | $38K |
| Q2 2024 | 65.50% | 91.76% | $0 | $36K |
| Q3 2024 | 52.67% | 89.20% | $0 | $34K |
| Q4 2024 | 54.75% | 81.07% | $0 | $32K |
| Q1 2025 | 61.31% | 83.00% | $0 | $30K |
| Q2 2025 | 67.49% | 86.60% | $0 | $30K |
| Q3 2025 | 71.39% | 80.22% | $0 | $27K |
| Q4 2025 | 70.74% | 80.27% | $0 | $6.0M |
| Q1 2026 | 68.81% | 77.01% | $0 | $6.0M |
| Q2 2026 | 78.71% | 81.50% | $0 | $6.0M |
Spectra Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spectra 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 Spectra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26708) · FFIEC NIC profile (RSSD 426057)