Sundown 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos to assets: 2.85 percentage points lower than in Q1 2026, at 25.12%. Sundown State Bank ranks 184th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 71.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Sundown State Bank sits 9.39 points lower, at 71.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $83.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.8M |
| Fed funds sold and reverse repos | $77.3M |
| Fed funds sold and reverse repos to assets | 25.12% |
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 | 71.16% |
| Net loans and leases to deposits | 70.41% |
| Loans and leases to core deposits | 82.31% |
| Core deposits to total deposits | 86.45% |
| 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 | 89.21% | 77.32% | $0 | $0 |
| Q4 2023 | 82.82% | 85.61% | $0 | $0 |
| Q1 2024 | 83.47% | 84.79% | $0 | $0 |
| Q2 2024 | 94.41% | 84.52% | $0 | $0 |
| Q3 2024 | 91.60% | 84.59% | $0 | $0 |
| Q4 2024 | 89.74% | 86.86% | $0 | $0 |
| Q1 2025 | 85.71% | 86.51% | $0 | $0 |
| Q2 2025 | 81.01% | 86.00% | $0 | $0 |
| Q3 2025 | 75.46% | 87.44% | $0 | $0 |
| Q4 2025 | 73.94% | 86.67% | $0 | $0 |
| Q1 2026 | 70.06% | 87.90% | $0 | $0 |
| Q2 2026 | 71.16% | 86.45% | $0 | $0 |
Sundown State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sundown 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 Sundown State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18780) · FFIEC NIC profile (RSSD 412667)