Adams Bank & Trust: 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 Loans and leases to core deposits: 4.75 percentage points higher than in Q1 2026, at 88.05%. Within Nebraska, Adams Bank & Trust is 82nd of 138 on loan-to-deposit ratio, 83.48% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Adams Bank & Trust sits 4.72 points lower, at 83.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $125.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $348.3M |
| 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 | 83.48% |
| Net loans and leases to deposits | 82.39% |
| Loans and leases to core deposits | 88.05% |
| Core deposits to total deposits | 94.81% |
| 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 | 73.33% | 84.85% | $0 | $92.0M |
| Q4 2023 | 73.47% | 86.26% | $0 | $87.5M |
| Q1 2024 | 73.72% | 88.59% | $0 | $80.0M |
| Q2 2024 | 75.37% | 88.60% | $0 | $82.5M |
| Q3 2024 | 73.33% | 88.13% | $0 | $70.0M |
| Q4 2024 | 74.48% | 93.43% | $0 | $65.0M |
| Q1 2025 | 76.02% | 93.39% | $0 | $55.0M |
| Q2 2025 | 79.59% | 93.61% | $0 | $45.0M |
| Q3 2025 | 79.63% | 94.41% | $0 | $20.0M |
| Q4 2025 | 78.54% | 94.80% | $0 | $10.0M |
| Q1 2026 | 79.21% | 95.09% | $0 | $0 |
| Q2 2026 | 83.48% | 94.81% | $0 | $0 |
Adams Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams Bank & Trust, 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 Adams Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18489) · FFIEC NIC profile (RSSD 463650)