Texas Gulf Bank, N.A.: 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 balances due from depository institutions: 41.5% lower than in Q1 2026, at $27.7M. Texas Gulf Bank, N.A. ranks 131st of 346 Texas banks on loan-to-deposit ratio, in the upper half at 79.49% (Q2 2026). At 79.49%, Texas Gulf Bank, N.A.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $204.6M |
| 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 | $3.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.49% |
| Net loans and leases to deposits | 78.62% |
| Loans and leases to core deposits | 84.44% |
| Core deposits to total deposits | 94.13% |
| 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 | 74.13% | 93.28% | $0 | $11.6M |
| Q4 2023 | 78.25% | 92.60% | $0 | $28.5M |
| Q1 2024 | 77.11% | 92.92% | $0 | $11.4M |
| Q2 2024 | 78.66% | 92.58% | $0 | $11.3M |
| Q3 2024 | 76.42% | 92.48% | $0 | $11.2M |
| Q4 2024 | 76.58% | 95.05% | $0 | $1.1M |
| Q1 2025 | 79.55% | 94.89% | $0 | $976K |
| Q2 2025 | 79.01% | 95.02% | $0 | $864K |
| Q3 2025 | 80.65% | 94.76% | $0 | $1.3M |
| Q4 2025 | 79.12% | 93.63% | $0 | $3.4M |
| Q1 2026 | 75.91% | 94.08% | $0 | $3.5M |
| Q2 2026 | 79.49% | 94.13% | $0 | $3.6M |
Texas Gulf Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Gulf Bank, N.A., 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 Gulf Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3206) · FFIEC NIC profile (RSSD 514655)