TexasBank: 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 Loans and leases to core deposits: 4.93 percentage points higher than in Q1 2026, at 118.46%. On loan-to-deposit ratio, TexasBank ranks 6th highest among the 346 banks headquartered in Texas, at 106.54% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. TexasBank sits 18.34 points higher, at 106.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $212.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $295.6M |
| 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 | $144.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.54% |
| Net loans and leases to deposits | 105.27% |
| Loans and leases to core deposits | 118.46% |
| Core deposits to total deposits | 85.74% |
| Brokered deposits to total deposits | 4.20% |
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 | 97.33% | 85.80% | $0 | $235.0M |
| Q4 2023 | 95.18% | 86.73% | $0 | $255.0M |
| Q1 2024 | 89.53% | 85.95% | $0 | $235.0M |
| Q2 2024 | 94.22% | 85.39% | $0 | $235.0M |
| Q3 2024 | 91.52% | 86.50% | $0 | $235.0M |
| Q4 2024 | 89.44% | 86.19% | $0 | $235.0M |
| Q1 2025 | 88.32% | 86.80% | $0 | $185.0M |
| Q2 2025 | 101.01% | 86.93% | $0 | $185.0M |
| Q3 2025 | 101.25% | 86.46% | $0 | $185.0M |
| Q4 2025 | 103.99% | 86.70% | $0 | $185.0M |
| Q1 2026 | 102.52% | 85.39% | $0 | $135.0M |
| Q2 2026 | 106.54% | 85.74% | $0 | $144.5M |
TexasBank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock TexasBank, 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 TexasBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19559) · FFIEC NIC profile (RSSD 232856)