Auburnbank: 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.
Cash and balances due from depository institutions climbed 44.6% in Q2 2026, from $146.2M to $211.4M. It was the largest change from Q1 2026 among the key lines here. Auburnbank ranks 65th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 58.59% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Auburnbank sits 29.61 points lower, at 58.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $211.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $432.2M |
| Fed funds sold and reverse repos | $38.0M |
| Fed funds sold and reverse repos to assets | 3.50% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $63K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.59% |
| Net loans and leases to deposits | 57.92% |
| Loans and leases to core deposits | 63.90% |
| Core deposits to total deposits | 91.69% |
| 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 | 56.49% | 85.37% | $1.7M | $534K |
| Q4 2023 | 62.09% | 89.11% | $1.5M | $508K |
| Q1 2024 | 63.02% | 90.07% | $1.5M | $482K |
| Q2 2024 | 61.01% | 89.86% | $0 | $457K |
| Q3 2024 | 62.73% | 90.72% | $0 | $430K |
| Q4 2024 | 62.89% | 90.23% | $0 | $231K |
| Q1 2025 | 61.55% | 90.30% | $0 | $209K |
| Q2 2025 | 59.84% | 91.31% | $0 | $189K |
| Q3 2025 | 60.79% | 90.81% | $0 | $171K |
| Q4 2025 | 61.23% | 91.41% | $0 | $157K |
| Q1 2026 | 62.40% | 91.38% | $0 | $144K |
| Q2 2026 | 58.59% | 91.69% | $0 | $63K |
Auburnbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburnbank, 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 Auburnbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35) · FFIEC NIC profile (RSSD 749635)