Spring Hill State 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.
Loans and leases to core deposits climbed 3.36 percentage points in Q2 2026, from 123.16% to 126.52%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, Spring Hill State Bank sits 17th from the top on loan-to-deposit ratio, 99.82% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Spring Hill State Bank sits 18.98 points higher, at 99.82% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.4M |
| 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 | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.82% |
| Net loans and leases to deposits | 97.65% |
| Loans and leases to core deposits | 126.52% |
| Core deposits to total deposits | 78.89% |
| 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 | 91.05% | 93.20% | $0 | $2.0M |
| Q4 2023 | 93.35% | 91.99% | $0 | $2.0M |
| Q1 2024 | 92.05% | 88.08% | $0 | $2.0M |
| Q2 2024 | 92.52% | 86.83% | $0 | $7.0M |
| Q3 2024 | 92.25% | 83.74% | $0 | $7.0M |
| Q4 2024 | 92.44% | 83.77% | $0 | $7.0M |
| Q1 2025 | 86.67% | 83.72% | $0 | $6.0M |
| Q2 2025 | 91.50% | 82.77% | $0 | $6.0M |
| Q3 2025 | 90.87% | 81.91% | $0 | $6.0M |
| Q4 2025 | 91.13% | 81.63% | $0 | $6.0M |
| Q1 2026 | 98.42% | 79.91% | $0 | $11.0M |
| Q2 2026 | 99.82% | 78.89% | $0 | $11.0M |
Spring Hill State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Hill State 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 Spring Hill State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22526) · FFIEC NIC profile (RSSD 457060)