Texas Community 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 Cash and noninterest-bearing balances to assets: 5.28 percentage points lower than in Q1 2026, at 10.95%. Within Texas, Texas Community Bank is 248th of 346 on loan-to-deposit ratio, 59.79% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Texas Community Bank sits 28.41 points lower, at 59.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $241.4M |
| Cash and noninterest-bearing balances to assets | 10.95% |
| Cash and securities | $1.02B |
| 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 | 59.79% |
| Net loans and leases to deposits | 58.60% |
| Loans and leases to core deposits | 77.75% |
| Core deposits to total deposits | 76.90% |
| 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 | 59.90% | 83.28% | $0 | $0 |
| Q4 2023 | 62.41% | 82.70% | $0 | $0 |
| Q1 2024 | 62.09% | 81.79% | $0 | $0 |
| Q2 2024 | 61.70% | 80.93% | $0 | $0 |
| Q3 2024 | 61.85% | 78.84% | $0 | $0 |
| Q4 2024 | 60.99% | 79.46% | $0 | $0 |
| Q1 2025 | 65.23% | 78.89% | $0 | $0 |
| Q2 2025 | 61.89% | 78.63% | $0 | $0 |
| Q3 2025 | 62.15% | 76.43% | $0 | $0 |
| Q4 2025 | 58.50% | 77.48% | $0 | $0 |
| Q1 2026 | 56.98% | 77.10% | $0 | $0 |
| Q2 2026 | 59.79% | 76.90% | $0 | $0 |
Texas Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24563) · FFIEC NIC profile (RSSD 528960)