Vantage Bank 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.
Core deposits to total deposits climbed 0.80 percentage points in Q2 2026, from 86.12% to 86.92%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Vantage Bank Texas is 59th of 346 on loan-to-deposit ratio, 88.88% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Vantage Bank Texas reported 88.88% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $735.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $877.0M |
| 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 | 88.88% |
| Net loans and leases to deposits | 87.75% |
| Loans and leases to core deposits | 102.25% |
| Core deposits to total deposits | 86.92% |
| 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 | 99.31% | 84.33% | $0 | $150.0M |
| Q4 2023 | 99.55% | 82.73% | $0 | $175.0M |
| Q1 2024 | 85.80% | 83.95% | $0 | $150.0M |
| Q2 2024 | 82.33% | 84.49% | $0 | $150.0M |
| Q3 2024 | 80.97% | 83.41% | $0 | $150.0M |
| Q4 2024 | 80.07% | 83.85% | $0 | $0 |
| Q1 2025 | 84.51% | 82.94% | $0 | $0 |
| Q2 2025 | 84.06% | 83.38% | $0 | $0 |
| Q3 2025 | 84.64% | 84.55% | $0 | $0 |
| Q4 2025 | 85.24% | 84.64% | $0 | $0 |
| Q1 2026 | 88.34% | 86.12% | $0 | $0 |
| Q2 2026 | 88.88% | 86.92% | $0 | $0 |
Vantage Bank Texas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vantage Bank 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 Vantage Bank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3405) · FFIEC NIC profile (RSSD 26765)