West Texas State Bank: 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 Other borrowed money: 100.0% lower than in Q1 2026, at $0. West Texas State Bank ranks 149th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 76.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. West Texas State Bank sits 4.50 points lower, at 76.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.7M |
| Fed funds sold and reverse repos | $535K |
| Fed funds sold and reverse repos to assets | 0.12% |
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 | 76.33% |
| Net loans and leases to deposits | 75.23% |
| Loans and leases to core deposits | 98.22% |
| Core deposits to total deposits | 72.57% |
| Brokered deposits to total deposits | 5.32% |
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 | 75.62% | 83.18% | $0 | $10.0M |
| Q4 2023 | 73.17% | 84.19% | $0 | $10.0M |
| Q1 2024 | 77.94% | 81.54% | $0 | $10.0M |
| Q2 2024 | 81.29% | 78.35% | $0 | $5.0M |
| Q3 2024 | 77.62% | 77.28% | $0 | $0 |
| Q4 2024 | 75.91% | 76.41% | $0 | $0 |
| Q1 2025 | 79.28% | 77.83% | $0 | $0 |
| Q2 2025 | 77.49% | 74.84% | $0 | $1.5M |
| Q3 2025 | 74.35% | 74.76% | $0 | $1.5M |
| Q4 2025 | 73.66% | 73.38% | $0 | $1.5M |
| Q1 2026 | 73.27% | 77.34% | $0 | $1.5M |
| Q2 2026 | 76.33% | 72.57% | $0 | $0 |
West Texas State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock West Texas State Bank, 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 West Texas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16866) · FFIEC NIC profile (RSSD 406666)