Texas Champion 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 Loans and leases to core deposits: 7.37 percentage points higher than in Q1 2026, at 123.18%. On loan-to-deposit ratio, Texas Champion Bank ranks 7th highest among the 346 banks headquartered in Texas, at 105.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Texas Champion Bank sits 24.55 points higher, at 105.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.5M |
| Fed funds sold and reverse repos | $8.4M |
| Fed funds sold and reverse repos to assets | 1.93% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $56.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.39% |
| Net loans and leases to deposits | 104.16% |
| Loans and leases to core deposits | 123.18% |
| Core deposits to total deposits | 84.58% |
| Brokered deposits to total deposits | 0.98% |
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 | 114.01% | 88.05% | $5.9M | $73.6M |
| Q4 2023 | 110.84% | 87.82% | $7.5M | $69.9M |
| Q1 2024 | 118.23% | 86.14% | $15.0M | $75.5M |
| Q2 2024 | 107.06% | 86.11% | $0 | $75.3M |
| Q3 2024 | 106.17% | 85.22% | $0 | $63.3M |
| Q4 2024 | 105.01% | 85.87% | $0 | $61.4M |
| Q1 2025 | 107.40% | 85.87% | $0 | $61.6M |
| Q2 2025 | 103.83% | 86.00% | $0 | $59.2M |
| Q3 2025 | 103.31% | 85.65% | $0 | $59.1M |
| Q4 2025 | 98.16% | 85.90% | $0 | $56.9M |
| Q1 2026 | 101.26% | 86.49% | $0 | $56.8M |
| Q2 2026 | 105.39% | 84.58% | $0 | $56.7M |
Texas Champion Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Champion 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 Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11159) · FFIEC NIC profile (RSSD 579364)