Yoakum 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.
Cash and balances due from depository institutions climbed 15.4% in Q2 2026, from $33.1M to $38.2M. It was the largest change from Q1 2026 among the key lines here. Yoakum Bank ranks 222nd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 64.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Yoakum Bank sits 16.43 points lower, at 64.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $133.6M |
| 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 | 64.12% |
| Net loans and leases to deposits | 63.36% |
| Loans and leases to core deposits | 71.52% |
| Core deposits to total deposits | 89.66% |
| 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 | 76.63% | 85.72% | $0 | $34.0M |
| Q4 2023 | 74.42% | 80.68% | $0 | $33.5M |
| Q1 2024 | 76.11% | 82.73% | $0 | $32.7M |
| Q2 2024 | 73.90% | 84.46% | $0 | $31.0M |
| Q3 2024 | 76.46% | 84.93% | $0 | $29.0M |
| Q4 2024 | 75.00% | 87.01% | $0 | $20.0M |
| Q1 2025 | 75.76% | 88.12% | $0 | $18.0M |
| Q2 2025 | 69.29% | 89.89% | $0 | $0 |
| Q3 2025 | 66.54% | 91.05% | $0 | $0 |
| Q4 2025 | 63.64% | 88.52% | $1.2M | $0 |
| Q1 2026 | 65.25% | 89.87% | $0 | $0 |
| Q2 2026 | 64.12% | 89.66% | $0 | $0 |
Yoakum Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Yoakum 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 Yoakum Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5595) · FFIEC NIC profile (RSSD 311265)