Stockmens National Bank in Cotulla: 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.
Core deposits to total deposits rose 0.60 percentage points from Q1 2026 to Q2 2026, ending at 82.60% against 82.01%. It was the largest change among the key lines on this page. On loan-to-deposit ratio, Stockmens National Bank in Cotulla is 13th from the bottom among 346 Texas banks, 22.51% (Q2 2026). Stockmens National Bank in Cotulla's loan-to-deposit ratio of 22.51% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 58.33 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.6M |
| 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 | $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 | 22.51% |
| Net loans and leases to deposits | 22.25% |
| Loans and leases to core deposits | 27.25% |
| Core deposits to total deposits | 82.60% |
| 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 | 26.93% | 89.66% | $0 | $0 |
| Q4 2023 | 27.46% | 88.06% | $0 | $0 |
| Q1 2024 | 32.43% | 87.29% | $0 | $0 |
| Q2 2024 | 32.25% | 87.37% | $0 | $0 |
| Q3 2024 | 34.02% | 85.17% | $0 | $0 |
| Q4 2024 | 26.40% | 87.41% | $0 | $0 |
| Q1 2025 | 31.34% | 84.98% | $0 | $0 |
| Q2 2025 | 30.43% | 82.64% | $0 | $0 |
| Q3 2025 | 27.83% | 81.92% | $0 | $0 |
| Q4 2025 | 25.48% | 82.21% | $0 | $0 |
| Q1 2026 | 22.71% | 82.01% | $0 | $0 |
| Q2 2026 | 22.51% | 82.60% | $0 | $0 |
Stockmens National Bank in Cotulla liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockmens National Bank in Cotulla, 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 Stockmens National Bank in Cotulla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14864) · FFIEC NIC profile (RSSD 818652)