Zavala County 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.
Compared with Q2 2026, Loans and leases to core deposits fell 0.41 percentage points in Q3 2026 to 8.85%, the biggest move on this page. Zavala County Bank has the 4th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 8.64% as of Q3 2026. Zavala County Bank's loan-to-deposit ratio of 8.64% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 58.99 points (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 8.64% |
| Net loans and leases to deposits | 8.49% |
| Loans and leases to core deposits | 8.85% |
| Core deposits to total deposits | 97.54% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 11.19% | 99.20% | $0 | $0 |
| Q1 2024 | 10.43% | 99.19% | $0 | $0 |
| Q2 2024 | 9.78% | 99.12% | $0 | $0 |
| Q3 2024 | 10.22% | 98.26% | $0 | $0 |
| Q4 2024 | 10.31% | 98.27% | $0 | $0 |
| Q1 2025 | 9.35% | 98.73% | $0 | $0 |
| Q2 2025 | 10.18% | 98.67% | $0 | $0 |
| Q3 2025 | 11.22% | 98.35% | $0 | $0 |
| Q4 2025 | 11.80% | 98.30% | $0 | $0 |
| Q1 2026 | 9.08% | 98.35% | $0 | $0 |
| Q2 2026 | 9.04% | 97.59% | $0 | $0 |
| Q3 2026 | 8.64% | 97.54% | $0 | $0 |
Zavala County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Zavala County 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 Zavala County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15105) · FFIEC NIC profile (RSSD 969956)