Spur Security 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: 84.6% lower than in Q1 2026, at $1.0M. Within Texas, Spur Security Bank is 159th of 346 on loan-to-deposit ratio, 75.05% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Spur Security Bank sits 5.51 points lower, at 75.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.3M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.71% |
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 | 75.05% |
| Net loans and leases to deposits | 74.23% |
| Loans and leases to core deposits | 85.73% |
| Core deposits to total deposits | 73.19% |
| Brokered deposits to total deposits | 14.35% |
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 | 33.05% | 85.14% | $0 | $0 |
| Q4 2023 | 48.47% | 85.91% | $0 | $0 |
| Q1 2024 | 57.85% | 86.71% | $0 | $0 |
| Q2 2024 | 60.54% | 65.29% | $0 | $0 |
| Q3 2024 | 61.19% | 60.08% | $0 | $0 |
| Q4 2024 | 57.56% | 63.47% | $0 | $0 |
| Q1 2025 | 61.29% | 65.61% | $0 | $0 |
| Q2 2025 | 68.15% | 65.31% | $0 | $0 |
| Q3 2025 | 68.62% | 65.06% | $0 | $0 |
| Q4 2025 | 66.78% | 72.71% | $0 | $0 |
| Q1 2026 | 72.18% | 71.30% | $0 | $0 |
| Q2 2026 | 75.05% | 73.19% | $0 | $0 |
Spur Security Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Spur Security 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 Spur Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15460) · FFIEC NIC profile (RSSD 409265)