Transpecos Banks, SSB: 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.
Loans and leases to core deposits climbed 15.36 percentage points in Q2 2026, from 60.47% to 75.83%. It was the largest change from Q1 2026 among the key lines here. Transpecos Banks, SSB ranks 154th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 75.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Transpecos Banks, SSB sits 5.23 points lower, at 75.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $136.6M |
| Cash and noninterest-bearing balances to assets | 14.05% |
| Cash and securities | $183.2M |
| Fed funds sold and reverse repos | $3K |
| 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 | $30.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.61% |
| Net loans and leases to deposits | 74.86% |
| Loans and leases to core deposits | 75.83% |
| Core deposits to total deposits | 72.16% |
| Brokered deposits to total deposits | 27.55% |
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 | 79.27% | 65.84% | $0 | $62.8M |
| Q4 2023 | 82.70% | 56.38% | $0 | $73.5M |
| Q1 2024 | 75.44% | 49.04% | $0 | $797K |
| Q2 2024 | 75.50% | 52.04% | $0 | $476K |
| Q3 2024 | 77.80% | 61.88% | $0 | $417K |
| Q4 2024 | 71.97% | 59.83% | $0 | $368K |
| Q1 2025 | 70.27% | 68.49% | $0 | $261K |
| Q2 2025 | 71.33% | 67.86% | $0 | $239K |
| Q3 2025 | 70.79% | 63.04% | $0 | $205K |
| Q4 2025 | 68.58% | 71.08% | $0 | $159K |
| Q1 2026 | 60.29% | 67.62% | $0 | $137K |
| Q2 2026 | 75.61% | 72.16% | $0 | $30.1M |
Transpecos Banks, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Transpecos Banks, SSB, 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 Transpecos Banks, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11178) · FFIEC NIC profile (RSSD 908861)