Texas State 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 Other borrowed money: 200.0% higher than in Q1 2026, at $15.0M. Texas State Bank ranks 133rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 79.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Texas State Bank reported 79.35% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $124.3M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.35% |
| Net loans and leases to deposits | 78.60% |
| Loans and leases to core deposits | 82.47% |
| Core deposits to total deposits | 96.21% |
| 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 | 66.23% | 98.43% | $0 | $25.0M |
| Q4 2023 | 63.08% | 98.45% | $0 | $35.0M |
| Q1 2024 | 71.13% | 98.08% | $0 | $35.0M |
| Q2 2024 | 72.46% | 97.99% | $0 | $25.0M |
| Q3 2024 | 75.00% | 98.03% | $0 | $35.0M |
| Q4 2024 | 74.69% | 97.81% | $0 | $35.0M |
| Q1 2025 | 74.18% | 97.46% | $0 | $25.0M |
| Q2 2025 | 75.81% | 97.08% | $0 | $25.0M |
| Q3 2025 | 76.35% | 96.84% | $0 | $25.0M |
| Q4 2025 | 75.07% | 96.69% | $0 | $15.0M |
| Q1 2026 | 75.46% | 96.56% | $0 | $5.0M |
| Q2 2026 | 79.35% | 96.21% | $0 | $15.0M |
Texas State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18698) · FFIEC NIC profile (RSSD 748964)