Armor 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.
Loans and leases to core deposits climbed 4.94 percentage points in Q2 2026, from 94.51% to 99.46%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Armor Bank is 42nd of 78 on loan-to-deposit ratio, 85.77% as of Q2 2026, below the middle of the field. Armor Bank reported 85.77% on loan-to-deposit ratio for Q2 2026, 4.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.4M |
| Fed funds sold and reverse repos | $22.2M |
| Fed funds sold and reverse repos to assets | 4.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.77% |
| Net loans and leases to deposits | 84.71% |
| Loans and leases to core deposits | 99.46% |
| Core deposits to total deposits | 82.31% |
| Brokered deposits to total deposits | 3.93% |
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 | 80.68% | 81.72% | $0 | $5.0M |
| Q4 2023 | 79.70% | 82.42% | $0 | $0 |
| Q1 2024 | 81.53% | 80.35% | $0 | $0 |
| Q2 2024 | 88.34% | 81.61% | $0 | $20.0M |
| Q3 2024 | 86.74% | 82.41% | $0 | $35.0M |
| Q4 2024 | 87.89% | 82.07% | $0 | $12.0M |
| Q1 2025 | 84.35% | 81.87% | $0 | $0 |
| Q2 2025 | 85.11% | 80.47% | $0 | $0 |
| Q3 2025 | 88.70% | 83.62% | $0 | $23.0M |
| Q4 2025 | 83.82% | 82.31% | $0 | $0 |
| Q1 2026 | 81.72% | 81.71% | $0 | $0 |
| Q2 2026 | 85.77% | 82.31% | $0 | $10.0M |
Armor Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Armor 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 Armor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28812) · FFIEC NIC profile (RSSD 168571)