The State National Bank of Groom: 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: 6.85 percentage points higher than in Q1 2026, at 93.27%. Within Texas, The State National Bank of Groom is 42nd of 346 on loan-to-deposit ratio, 91.97% as of Q2 2026, above the middle of the field. The State National Bank of Groom reported 91.97% on loan-to-deposit ratio for Q2 2026, 24.35 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.6M |
| Fed funds sold and reverse repos | $805K |
| Fed funds sold and reverse repos to assets | 1.46% |
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 | 91.97% |
| Net loans and leases to deposits | 90.29% |
| Loans and leases to core deposits | 93.27% |
| Core deposits to total deposits | 98.62% |
| 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 | 65.26% | 99.11% | $0 | $0 |
| Q4 2023 | 60.51% | 99.17% | $0 | $0 |
| Q1 2024 | 69.67% | 98.12% | $0 | $0 |
| Q2 2024 | 89.78% | 98.17% | $0 | $0 |
| Q3 2024 | 93.10% | 98.23% | $934K | $3.0M |
| Q4 2024 | 87.24% | 98.52% | $0 | $0 |
| Q1 2025 | 81.29% | 98.76% | $0 | $0 |
| Q2 2025 | 86.12% | 98.77% | $0 | $0 |
| Q3 2025 | 85.65% | 98.79% | $0 | $0 |
| Q4 2025 | 87.91% | 98.81% | $0 | $0 |
| Q1 2026 | 85.35% | 98.77% | $0 | $0 |
| Q2 2026 | 91.97% | 98.62% | $0 | $0 |
The State National Bank of Groom liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The State National Bank of Groom, 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 The State National Bank of Groom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3237) · FFIEC NIC profile (RSSD 460556)