Texas Republic 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.
Loan-to-deposit ratio climbed 8.59 percentage points in Q2 2026, from 105.12% to 113.71%. It was the largest change from Q1 2026 among the key lines here. Among 346 Texas banks, Texas Republic Bank, N.A. sits 2nd from the top on loan-to-deposit ratio, 113.71% as of Q2 2026. Texas Republic Bank, N.A. reported 113.71% on loan-to-deposit ratio for Q2 2026, 32.87 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.2M |
| 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 | $47.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.71% |
| Net loans and leases to deposits | 112.18% |
| Loans and leases to core deposits | 130.71% |
| Core deposits to total deposits | 86.99% |
| 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 | 113.76% | 85.98% | $0 | $69.5M |
| Q4 2023 | 110.86% | 85.31% | $0 | $67.8M |
| Q1 2024 | 112.15% | 86.03% | $0 | $67.8M |
| Q2 2024 | 110.30% | 87.29% | $0 | $57.8M |
| Q3 2024 | 106.98% | 87.51% | $0 | $57.7M |
| Q4 2024 | 108.21% | 87.88% | $0 | $57.7M |
| Q1 2025 | 109.52% | 87.77% | $0 | $57.7M |
| Q2 2025 | 108.58% | 87.34% | $0 | $47.7M |
| Q3 2025 | 114.36% | 89.36% | $0 | $47.7M |
| Q4 2025 | 111.00% | 87.17% | $14.9M | $47.7M |
| Q1 2026 | 105.12% | 85.86% | $0 | $47.7M |
| Q2 2026 | 113.71% | 86.99% | $0 | $47.7M |
Texas Republic 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 Republic 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 Republic Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3400) · FFIEC NIC profile (RSSD 735067)