Artisans' 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 Loans and leases to core deposits: 2.27 percentage points higher than in Q1 2026, at 89.45%. Within Delaware, Artisans' Bank is 5th of 16 on loan-to-deposit ratio, 81.95% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Artisans' Bank reported 81.95% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $162.0M |
| 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 | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.95% |
| Net loans and leases to deposits | 81.13% |
| Loans and leases to core deposits | 89.45% |
| Core deposits to total deposits | 91.62% |
| 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 | 80.74% | 91.74% | $0 | $10.0M |
| Q4 2023 | 80.05% | 92.53% | $0 | $7.0M |
| Q1 2024 | 79.80% | 92.49% | $0 | $7.0M |
| Q2 2024 | 81.39% | 92.23% | $0 | $10.0M |
| Q3 2024 | 83.15% | 92.06% | $0 | $23.0M |
| Q4 2024 | 82.34% | 91.73% | $0 | $15.0M |
| Q1 2025 | 79.76% | 91.90% | $0 | $3.0M |
| Q2 2025 | 81.57% | 91.96% | $0 | $3.0M |
| Q3 2025 | 79.04% | 91.70% | $0 | $3.0M |
| Q4 2025 | 80.49% | 91.72% | $0 | $3.0M |
| Q1 2026 | 80.01% | 91.77% | $0 | $3.0M |
| Q2 2026 | 81.95% | 91.62% | $0 | $3.0M |
Artisans' Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Artisans' 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 Artisans' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17123) · FFIEC NIC profile (RSSD 73116)