Valuebank 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.
Loans and leases to core deposits climbed 1.65 percentage points in Q2 2026, from 63.65% to 65.31%. It was the largest change from Q1 2026 among the key lines here. Valuebank Texas ranks 229th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 63.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Valuebank Texas sits 17.33 points lower, at 63.23% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $67.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.4M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.23% |
| Net loans and leases to deposits | 62.59% |
| Loans and leases to core deposits | 65.31% |
| Core deposits to total deposits | 96.82% |
| 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 | 55.74% | 98.14% | $0 | $0 |
| Q4 2023 | 57.85% | 97.85% | $0 | $0 |
| Q1 2024 | 57.78% | 97.32% | $0 | $0 |
| Q2 2024 | 58.11% | 97.04% | $0 | $0 |
| Q3 2024 | 60.03% | 96.51% | $0 | $0 |
| Q4 2024 | 62.38% | 96.54% | $0 | $0 |
| Q1 2025 | 58.41% | 96.67% | $0 | $0 |
| Q2 2025 | 58.95% | 96.69% | $0 | $0 |
| Q3 2025 | 60.22% | 96.61% | $0 | $0 |
| Q4 2025 | 60.98% | 96.12% | $0 | $0 |
| Q1 2026 | 61.73% | 96.98% | $0 | $0 |
| Q2 2026 | 63.23% | 96.82% | $0 | $0 |
Valuebank Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Valuebank 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 Valuebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19700) · FFIEC NIC profile (RSSD 964157)