Ubank: 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 Fed funds sold and reverse repos: 57.8% lower than in Q1 2026, at $760K. Ubank ranks 49th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 90.61% (Q2 2026). At 90.61%, Ubank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $135.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $160.9M |
| Fed funds sold and reverse repos | $760K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.61% |
| Net loans and leases to deposits | 89.52% |
| Loans and leases to core deposits | 103.22% |
| Core deposits to total deposits | 70.19% |
| Brokered deposits to total deposits | 17.59% |
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 | 94.20% | 88.70% | $0 | $35.8M |
| Q4 2023 | 94.17% | 86.30% | $0 | $35.8M |
| Q1 2024 | 90.56% | 88.79% | $0 | $35.4M |
| Q2 2024 | 91.47% | 87.95% | $0 | $30.4M |
| Q3 2024 | 88.34% | 82.16% | $0 | $30.4M |
| Q4 2024 | 92.25% | 83.59% | $0 | $30.4M |
| Q1 2025 | 91.66% | 84.98% | $0 | $30.4M |
| Q2 2025 | 89.05% | 87.64% | $0 | $27.3M |
| Q3 2025 | 91.88% | 81.12% | $0 | $27.3M |
| Q4 2025 | 90.95% | 74.33% | $0 | $27.3M |
| Q1 2026 | 87.15% | 73.08% | $0 | $5.3M |
| Q2 2026 | 90.61% | 70.19% | $0 | $5.2M |
Ubank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ubank, 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 Ubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18344) · FFIEC NIC profile (RSSD 917555)