Adrian 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 Loan-to-deposit ratio: 2.94 percentage points higher than in Q1 2026, at 77.33%. Within Missouri, Adrian Bank is 126th of 191 on loan-to-deposit ratio, 77.33% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Adrian Bank sits 3.22 points lower, at 77.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.4M |
| 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 | 77.33% |
| Net loans and leases to deposits | 76.20% |
| Loans and leases to core deposits | 81.70% |
| Core deposits to total deposits | 94.66% |
| 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 | 68.00% | 97.14% | $6.0M | $0 |
| Q4 2023 | 70.42% | 96.49% | $8.0M | $0 |
| Q1 2024 | 70.23% | 96.54% | $2.6M | $0 |
| Q2 2024 | 73.59% | 96.32% | $7.0M | $0 |
| Q3 2024 | 75.99% | 96.24% | $9.0M | $0 |
| Q4 2024 | 76.94% | 95.65% | $7.5M | $0 |
| Q1 2025 | 75.42% | 95.72% | $1.0M | $0 |
| Q2 2025 | 76.00% | 95.53% | $0 | $0 |
| Q3 2025 | 76.04% | 95.52% | $0 | $0 |
| Q4 2025 | 77.38% | 94.51% | $0 | $0 |
| Q1 2026 | 74.39% | 93.74% | $0 | $0 |
| Q2 2026 | 77.33% | 94.66% | $0 | $0 |
Adrian Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Adrian 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 Adrian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8251) · FFIEC NIC profile (RSSD 94858)