VeraBank, N.A.: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
VeraBank, N.A. reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $1.16B in Q3 2026, up 68.3% from $691.3M in Q3 2025. That is 23.9% of its total assets. Across the 12 quarters shown it ranged from $369.0M (Q4 2023) to $1.16B (Q3 2026).
The standout move of Q3 2026 was in Loans and leases to core deposits: 5.83 percentage points lower than in Q2 2026, at 67.81%. VeraBank, N.A. ranks 225th of 345 Texas banks on loan-to-deposit ratio, in the lower half at 64.32% (Q3 2026). VeraBank, N.A. reported 64.32% on loan-to-deposit ratio for Q3 2026, 23.81 points below the 88.13% median for banks in the $1B-10B asset tier.
Liquid assets
Largest change in this table: cash and noninterest-bearing balances to assets, up 5.24 points to 23.92% in Q3 2026 after 18.68% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.16B |
| Cash and noninterest-bearing balances to assets | 23.92% |
| Cash and securities | $1.86B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 64.32% |
| Net loans and leases to deposits | 63.52% |
| Loans and leases to core deposits | 67.81% |
| Core deposits to total deposits | 94.86% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 76.13% | 95.93% | $0 | $0 |
| Q1 2024 | 76.04% | 95.62% | $0 | $0 |
| Q2 2024 | 77.35% | 95.35% | $0 | $0 |
| Q3 2024 | 75.07% | 94.83% | $0 | $0 |
| Q4 2024 | 74.00% | 95.22% | $0 | $0 |
| Q1 2025 | 74.16% | 95.47% | $0 | $0 |
| Q2 2025 | 74.80% | 95.20% | $0 | $0 |
| Q3 2025 | 72.60% | 94.86% | $0 | $0 |
| Q4 2025 | 70.88% | 94.95% | $0 | $0 |
| Q1 2026 | 70.50% | 94.83% | $0 | $0 |
| Q2 2026 | 69.65% | 94.58% | $0 | $0 |
| Q3 2026 | 64.32% | 94.86% | $0 | $0 |
VeraBank, N.A. liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full VeraBank, N.A. profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 3250) · FFIEC NIC profile (RSSD 56351)