Wells Fargo Bank South Central, N.A.: 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.
Net loans and leases to deposits climbed 2.61 percentage points in Q2 2026, from 99.51% to 102.12%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Wells Fargo Bank South Central, N.A. ranks 11th highest among the 346 banks headquartered in Texas, at 102.26% (Q2 2026). Wells Fargo Bank South Central, N.A. reported 102.26% on loan-to-deposit ratio for Q2 2026, 14.05 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $840.7M |
| Cash and noninterest-bearing balances to assets | 32.46% |
| Cash and securities | $840.7M |
| 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 | 102.26% |
| Net loans and leases to deposits | 102.12% |
| Loans and leases to core deposits | 102.26% |
| Core deposits to total deposits | 100.00% |
| 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 | 91.18% | 99.71% | $0 | $0 |
| Q4 2023 | 82.82% | 100.00% | $0 | $0 |
| Q1 2024 | 83.85% | 100.00% | $0 | $0 |
| Q2 2024 | 83.60% | 100.00% | $0 | $0 |
| Q3 2024 | 76.62% | 100.00% | $0 | $0 |
| Q4 2024 | 61.63% | 100.00% | $0 | $0 |
| Q1 2025 | 63.23% | 100.00% | $0 | $0 |
| Q2 2025 | 83.19% | 100.00% | $0 | $0 |
| Q3 2025 | 72.11% | 100.00% | $0 | $0 |
| Q4 2025 | 96.41% | 100.00% | $0 | $0 |
| Q1 2026 | 99.65% | 100.00% | $0 | $0 |
| Q2 2026 | 102.26% | 100.00% | $0 | $0 |
Wells Fargo Bank South Central, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Wells Fargo Bank South Central, N.A., 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 Wells Fargo Bank South Central, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5146) · FFIEC NIC profile (RSSD 2362458)