2UNIFI Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, 2UNIFI Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $33.8M in Q3 2026, up 26.3% from $26.8M in Q3 2025. That is 85.6% of its total assets. Across the 12 quarters shown it ranged from $26.3M (Q2 2025) to $34.8M (Q1 2026).
Cash and balances due from depository institutions rose 4.7% from Q2 2026 to Q3 2026, ending at $33.8M against $32.3M. It was the largest change among the key lines on this page. As of Q3 2026, 2UNIFI Bank ranks first in Wyoming on loan-to-deposit ratio among 24 banks, at 400.83%. 2UNIFI Bank's loan-to-deposit ratio of 400.83% is well above the 68.95% median for banks in the < $100M asset tier, a gap of 331.88 points (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.8M |
| 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 | 400.83% |
| Net loans and leases to deposits | 397.07% |
| Loans and leases to core deposits | 400.83% |
| Core deposits to total deposits | 100.00% |
| 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 | 15.25% | 100.00% | $0 | $0 |
| Q1 2024 | 14.85% | 100.00% | $0 | $0 |
| Q2 2024 | 6.07% | 37.04% | $0 | $0 |
| Q3 2024 | 5.85% | 37.04% | $0 | $0 |
| Q4 2024 | 5.59% | 37.04% | $0 | $84K |
| Q1 2025 | 49.40% | 36.19% | $0 | $0 |
| Q2 2025 | 237.90% | 100.00% | $0 | $0 |
| Q3 2025 | 233.53% | 100.00% | $0 | $0 |
| Q4 2025 | 230.89% | 100.00% | $0 | $0 |
| Q1 2026 | 224.03% | 100.00% | $0 | $0 |
| Q2 2026 | 4479.03% | 100.00% | $0 | $0 |
| Q3 2026 | 400.83% | 100.00% | $0 | $0 |
2UNIFI Bank 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 2UNIFI Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23826) · FFIEC NIC profile (RSSD 898458)