Texas Capital 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 Other borrowed money: 12036.6% higher than in Q1 2026, at $354.4M. Within Texas, Texas Capital Bank is 94th of 346 on loan-to-deposit ratio, 84.92% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; Texas Capital Bank reported 84.92% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.48B |
| Cash and noninterest-bearing balances to assets | 10.34% |
| Cash and securities | $8.03B |
| 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 | $354.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.05% |
| Trading liabilities | $39.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.92% |
| Net loans and leases to deposits | 84.01% |
| Loans and leases to core deposits | 86.46% |
| Core deposits to total deposits | 86.86% |
| Brokered deposits to total deposits | 11.42% |
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 | 85.70% | 92.92% | $0 | $1.60B |
| Q4 2023 | 89.92% | 94.29% | $0 | $1.70B |
| Q1 2024 | 86.33% | 95.81% | $0 | $951.2M |
| Q2 2024 | 91.00% | 96.09% | $0 | $1.68B |
| Q3 2024 | 85.74% | 95.73% | $0 | $1.04B |
| Q4 2024 | 88.30% | 95.95% | $0 | $885.2M |
| Q1 2025 | 84.26% | 96.45% | $0 | $750.1M |
| Q2 2025 | 90.19% | 97.02% | $0 | $1.25B |
| Q3 2025 | 86.58% | 94.99% | $275.0M | $3.4M |
| Q4 2025 | 89.92% | 95.14% | $30.0M | $303.2M |
| Q1 2026 | 86.55% | 89.56% | $0 | $2.9M |
| Q2 2026 | 84.92% | 86.86% | $0 | $354.4M |
Texas Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Capital 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 Texas Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34383) · FFIEC NIC profile (RSSD 2618780)