Applied 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.
Loan-to-deposit ratio dropped 1.40 percentage points in Q2 2026, from 25.72% to 24.33%. It was the largest change from Q1 2026 among the key lines here. Applied Bank ranks 11th of 16 Delaware banks on loan-to-deposit ratio, in the lower half at 24.33% (Q2 2026). Against a median of 80.55% for banks in the $100M-1B asset tier, Applied Bank reported 24.33% on loan-to-deposit ratio in Q2 2026, 56.23 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $217.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $217.5M |
| 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 | $361K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 24.33% |
| Net loans and leases to deposits | 24.20% |
| Loans and leases to core deposits | 24.33% |
| Core deposits to total deposits | 100.00% |
| 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 | 29.45% | 100.00% | $0 | $13K |
| Q4 2023 | 26.92% | 100.00% | $0 | $99K |
| Q1 2024 | 27.86% | 100.00% | $0 | $88K |
| Q2 2024 | 30.44% | 100.00% | $0 | $76K |
| Q3 2024 | 22.03% | 100.00% | $0 | $64K |
| Q4 2024 | 26.44% | 100.00% | $0 | $52K |
| Q1 2025 | 24.78% | 100.00% | $0 | $39K |
| Q2 2025 | 24.07% | 100.00% | $0 | $26K |
| Q3 2025 | 24.85% | 100.00% | $0 | $13K |
| Q4 2025 | 25.03% | 100.00% | $0 | $103K |
| Q1 2026 | 25.72% | 100.00% | $0 | $91K |
| Q2 2026 | 24.33% | 100.00% | $0 | $361K |
Applied Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Applied 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 Applied Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34193) · FFIEC NIC profile (RSSD 2467670)