Adams 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 65.6% lower than in Q1 2026, at $5.0M. Adams County Bank ranks 15th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 100.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Adams County Bank sits 19.36 points higher, at 100.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.9M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 2.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $59.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 24.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.31% |
| Net loans and leases to deposits | 99.23% |
| Loans and leases to core deposits | 111.70% |
| Core deposits to total deposits | 87.28% |
| Brokered deposits to total deposits | 2.53% |
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 | 98.17% | 89.28% | $55K | $67.4M |
| Q4 2023 | 102.89% | 88.85% | $80K | $74.1M |
| Q1 2024 | 91.68% | 88.92% | $0 | $61.8M |
| Q2 2024 | 101.72% | 87.42% | $55K | $66.0M |
| Q3 2024 | 107.01% | 86.97% | $45K | $71.0M |
| Q4 2024 | 102.82% | 87.22% | $70K | $63.1M |
| Q1 2025 | 89.02% | 87.98% | $0 | $58.9M |
| Q2 2025 | 93.03% | 87.73% | $0 | $58.5M |
| Q3 2025 | 107.16% | 87.07% | $0 | $65.1M |
| Q4 2025 | 106.31% | 87.35% | $0 | $65.8M |
| Q1 2026 | 95.03% | 87.64% | $0 | $58.7M |
| Q2 2026 | 100.31% | 87.28% | $0 | $59.9M |
Adams County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams 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 Adams County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14311) · FFIEC NIC profile (RSSD 9553)