Trinity Capital Bank of Texas: 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 Loan-to-deposit ratio: 0.90 percentage points higher than in Q1 2026, at 101.08%. Among 346 Texas banks, Trinity Capital Bank of Texas sits 13th from the top on loan-to-deposit ratio, 101.08% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Trinity Capital Bank of Texas sits 20.24 points higher, at 101.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.8M |
| 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 | $21.0M |
| Other borrowed money | $42.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.08% |
| Net loans and leases to deposits | 99.96% |
| Loans and leases to core deposits | 108.96% |
| Core deposits to total deposits | 88.49% |
| Brokered deposits to total deposits | 4.28% |
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 | 88.66% | 95.17% | $22.9M | $21.7M |
| Q4 2023 | 87.29% | 93.54% | $26.5M | $21.6M |
| Q1 2024 | 93.16% | 92.64% | $26.5M | $37.1M |
| Q2 2024 | 91.20% | 92.60% | $26.6M | $29.6M |
| Q3 2024 | 94.40% | 92.69% | $27.7M | $36.1M |
| Q4 2024 | 91.00% | 86.91% | $23.2M | $22.0M |
| Q1 2025 | 90.22% | 87.85% | $25.2M | $21.0M |
| Q2 2025 | 87.68% | 87.62% | $29.3M | $7.0M |
| Q3 2025 | 87.49% | 88.07% | $20.9M | $7.0M |
| Q4 2025 | 95.65% | 88.07% | $20.9M | $29.0M |
| Q1 2026 | 100.18% | 87.78% | $21.6M | $40.9M |
| Q2 2026 | 101.08% | 88.49% | $21.0M | $42.4M |
Trinity Capital Bank of Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Trinity Capital Bank of Texas, 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 Trinity Capital Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13000) · FFIEC NIC profile (RSSD 435059)