b1BANK: 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.
Other borrowed money climbed 69.7% in Q2 2026, from $260.8M to $442.5M. It was the largest change from Q1 2026 among the key lines here. b1BANK ranks 24th of 102 Louisiana banks on loan-to-deposit ratio, in the upper half at 91.62% (Q2 2026). b1BANK reported 91.62% on loan-to-deposit ratio for Q2 2026, 3.42 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $673.1M |
| Cash and noninterest-bearing balances to assets | 6.49% |
| Cash and securities | $1.71B |
| Fed funds sold and reverse repos | $126.2M |
| Fed funds sold and reverse repos to assets | 1.42% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $24.4M |
| Other borrowed money | $442.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.98% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.62% |
| Net loans and leases to deposits | 90.76% |
| Loans and leases to core deposits | 101.50% |
| Core deposits to total deposits | 88.54% |
| Brokered deposits to total deposits | 5.56% |
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 | 94.59% | 83.86% | $23.2M | $525.5M |
| Q4 2023 | 94.80% | 84.35% | $18.9M | $513.8M |
| Q1 2024 | 91.14% | 84.76% | $17.2M | $315.2M |
| Q2 2024 | 92.52% | 86.08% | $18.4M | $310.1M |
| Q3 2024 | 92.39% | 85.72% | $21.5M | $374.8M |
| Q4 2024 | 91.63% | 86.47% | $22.6M | $359.1M |
| Q1 2025 | 92.42% | 86.21% | $19.0M | $324.8M |
| Q2 2025 | 94.01% | 84.53% | $22.6M | $497.9M |
| Q3 2025 | 92.40% | 84.43% | $29.9M | $369.6M |
| Q4 2025 | 92.18% | 85.23% | $22.6M | $433.2M |
| Q1 2026 | 89.48% | 87.99% | $21.6M | $260.8M |
| Q2 2026 | 91.62% | 88.54% | $24.4M | $442.5M |
b1BANK liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock b1BANK, 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 b1BANK profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58228) · FFIEC NIC profile (RSSD 3408728)