Tensas 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.
Loans and leases to core deposits climbed 8.21 percentage points in Q2 2026, from 85.43% to 93.64%. It was the largest change from Q1 2026 among the key lines here. Tensas State Bank ranks 62nd of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 75.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Tensas State Bank sits 4.88 points lower, at 75.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.5M |
| 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 | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.96% |
| Net loans and leases to deposits | 75.16% |
| Loans and leases to core deposits | 93.64% |
| Core deposits to total deposits | 81.12% |
| 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 | 66.10% | 86.63% | $0 | $4.5M |
| Q4 2023 | 65.41% | 88.67% | $0 | $4.5M |
| Q1 2024 | 69.29% | 82.69% | $0 | $7.5M |
| Q2 2024 | 72.07% | 77.29% | $0 | $6.5M |
| Q3 2024 | 69.33% | 78.02% | $0 | $3.5M |
| Q4 2024 | 68.43% | 83.67% | $0 | $4.5M |
| Q1 2025 | 70.82% | 81.20% | $0 | $1.0M |
| Q2 2025 | 75.63% | 80.76% | $600K | $6.0M |
| Q3 2025 | 71.23% | 81.51% | $0 | $1.0M |
| Q4 2025 | 69.10% | 81.96% | $0 | $1.0M |
| Q1 2026 | 69.45% | 81.30% | $0 | $0 |
| Q2 2026 | 75.96% | 81.12% | $0 | $3.5M |
Tensas State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tensas 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 Tensas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8533) · FFIEC NIC profile (RSSD 134455)