State Bank of De Kalb: 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: 4.44 percentage points higher than in Q1 2026, at 84.76%. State Bank of De Kalb ranks 98th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank of De Kalb sits 3.92 points higher, at 84.76% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $118.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $127.9M |
| Fed funds sold and reverse repos | $200K |
| Fed funds sold and reverse repos to assets | 0.04% |
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 | 84.76% |
| Net loans and leases to deposits | 83.46% |
| Loans and leases to core deposits | 92.47% |
| Core deposits to total deposits | 91.66% |
| 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 | 89.02% | 92.51% | $0 | $13.0M |
| Q4 2023 | 88.26% | 91.42% | $0 | $5.0M |
| Q1 2024 | 80.93% | 90.64% | $0 | $15.0M |
| Q2 2024 | 84.15% | 90.59% | $0 | $15.0M |
| Q3 2024 | 88.28% | 91.86% | $0 | $15.0M |
| Q4 2024 | 92.40% | 90.48% | $0 | $0 |
| Q1 2025 | 88.67% | 90.94% | $0 | $0 |
| Q2 2025 | 88.19% | 90.41% | $0 | $0 |
| Q3 2025 | 87.24% | 90.32% | $0 | $0 |
| Q4 2025 | 86.29% | 89.96% | $0 | $0 |
| Q1 2026 | 80.32% | 90.66% | $0 | $0 |
| Q2 2026 | 84.76% | 91.66% | $0 | $0 |
State Bank of De Kalb liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of De Kalb, 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 State Bank of De Kalb profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15463) · FFIEC NIC profile (RSSD 621357)