Sunflower Bank, N.A.: 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 Cash and securities: 222.6% higher than in Q1 2026, at $2.92B. Sunflower Bank, N.A. ranks 75th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 86.89% (Q2 2026). At 86.89%, Sunflower Bank, N.A.'s loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $980.0M |
| Cash and noninterest-bearing balances to assets | 6.26% |
| Cash and securities | $2.92B |
| 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 | $17.5M |
| 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 | 86.89% |
| Net loans and leases to deposits | 85.60% |
| Loans and leases to core deposits | 89.95% |
| Core deposits to total deposits | 89.57% |
| Brokered deposits to total deposits | 7.03% |
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 | 97.74% | 86.88% | $25.9M | $334.0M |
| Q4 2023 | 98.64% | 87.48% | $24.7M | $395.6M |
| Q1 2024 | 96.75% | 86.16% | $20.4M | $144.8M |
| Q2 2024 | 95.16% | 85.67% | $20.4M | $145.0M |
| Q3 2024 | 96.38% | 85.90% | $10.9M | $215.0M |
| Q4 2024 | 94.93% | 87.60% | $14.7M | $135.0M |
| Q1 2025 | 93.83% | 87.69% | $8.5M | $35.0M |
| Q2 2025 | 91.57% | 88.97% | $11.2M | $0 |
| Q3 2025 | 93.88% | 89.38% | $9.8M | $0 |
| Q4 2025 | 94.42% | 89.51% | $11.2M | $0 |
| Q1 2026 | 99.07% | 90.39% | $7.7M | $75.0M |
| Q2 2026 | 86.89% | 89.57% | $17.5M | $0 |
Sunflower Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunflower Bank, N.A., 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 Sunflower Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4767) · FFIEC NIC profile (RSSD 474759)