Texas Bank and Trust Company: 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.
Loan-to-deposit ratio climbed 4.47 percentage points in Q2 2026, from 87.05% to 91.52%. It was the largest change from Q1 2026 among the key lines here. Texas Bank and Trust Company ranks 43rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 91.52% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Texas Bank and Trust Company sits 3.32 points higher, at 91.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $322.5M |
| Cash and noninterest-bearing balances to assets | 7.43% |
| Cash and securities | $749.9M |
| 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 | 91.52% |
| Net loans and leases to deposits | 90.41% |
| Loans and leases to core deposits | 99.75% |
| Core deposits to total deposits | 90.70% |
| Brokered deposits to total deposits | 1.04% |
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 | 90.95% | 87.57% | $75.0M | $100.0M |
| Q4 2023 | 93.83% | 88.35% | $75.0M | $175.0M |
| Q1 2024 | 90.10% | 86.57% | $75.0M | $0 |
| Q2 2024 | 93.54% | 86.89% | $75.0M | $50.0M |
| Q3 2024 | 92.58% | 87.71% | $0 | $175.0M |
| Q4 2024 | 90.93% | 87.43% | $0 | $25.0M |
| Q1 2025 | 90.33% | 86.85% | $0 | $25.0M |
| Q2 2025 | 91.98% | 86.93% | $0 | $20.0M |
| Q3 2025 | 90.97% | 86.75% | $0 | $25.0M |
| Q4 2025 | 90.19% | 87.46% | $0 | $25.0M |
| Q1 2026 | 87.05% | 89.14% | $0 | $0 |
| Q2 2026 | 91.52% | 90.70% | $0 | $0 |
Texas Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Bank and Trust Company, 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 Texas Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17842) · FFIEC NIC profile (RSSD 949154)