Texas Exchange 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.
Fed funds purchased and repos dropped 94.3% in Q2 2026, from $113.3M to $6.5M. It was the largest change from Q1 2026 among the key lines here. Texas Exchange Bank has the 18th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 26.23% as of Q2 2026. Texas Exchange Bank's loan-to-deposit ratio of 26.23% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 61.98 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.51B |
| Cash and noninterest-bearing balances to assets | 33.63% |
| Cash and securities | $2.11B |
| Fed funds sold and reverse repos | $1.49B |
| Fed funds sold and reverse repos to assets | 33.25% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.5M |
| Other borrowed money | $1.41B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 31.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.23% |
| Net loans and leases to deposits | 25.86% |
| Loans and leases to core deposits | 26.26% |
| Core deposits to total deposits | 3.68% |
| Brokered deposits to total deposits | 96.20% |
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 | 54.50% | 9.45% | $4.2M | $0 |
| Q4 2023 | 50.95% | 8.87% | $0 | $0 |
| Q1 2024 | 52.55% | 7.54% | $103.9M | $0 |
| Q2 2024 | 50.46% | 5.55% | $103.7M | $946.5M |
| Q3 2024 | 46.05% | 4.85% | $98.4M | $1.19B |
| Q4 2024 | 43.35% | 4.27% | $104.0M | $1.13B |
| Q1 2025 | 35.93% | 4.17% | $104.4M | $0 |
| Q2 2025 | 35.08% | 4.00% | $103.4M | $0 |
| Q3 2025 | 33.80% | 3.31% | $109.6M | $1.31B |
| Q4 2025 | 36.72% | 4.18% | $108.9M | $1.32B |
| Q1 2026 | 26.61% | 3.93% | $113.3M | $1.13B |
| Q2 2026 | 26.23% | 3.68% | $6.5M | $1.41B |
Texas Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20099) · FFIEC NIC profile (RSSD 822556)