B2 Bank N.A.: 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 315.6% in Q2 2026, from $16.0M to $66.3M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, B2 Bank N.A. is 4th from the bottom among 44 Utah banks, 37.21% (Q2 2026). B2 Bank N.A.'s loan-to-deposit ratio of 37.21% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 43.63 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $66.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $73.7M |
| Fed funds sold and reverse repos | $14.5M |
| Fed funds sold and reverse repos to assets | 12.63% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 37.21% |
| Net loans and leases to deposits | 36.87% |
| Loans and leases to core deposits | 37.54% |
| Core deposits to total deposits | 99.12% |
| 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 | 33.74% | 98.65% | $0 | $0 |
| Q4 2023 | 33.83% | 98.59% | $0 | $0 |
| Q1 2024 | 37.36% | 97.66% | $0 | $0 |
| Q2 2024 | 40.83% | 98.79% | $0 | $0 |
| Q3 2024 | 46.99% | 98.77% | $0 | $0 |
| Q4 2024 | 48.29% | 98.75% | $0 | $0 |
| Q1 2025 | 51.01% | 98.74% | $0 | $0 |
| Q2 2025 | 58.70% | 98.51% | $0 | $0 |
| Q3 2025 | 59.97% | 98.43% | $0 | $0 |
| Q4 2025 | 58.21% | 98.49% | $0 | $0 |
| Q1 2026 | 67.64% | 98.21% | $0 | $0 |
| Q2 2026 | 37.21% | 99.12% | $0 | $0 |
B2 Bank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock B2 Bank N.A., 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 B2 Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5105) · FFIEC NIC profile (RSSD 108652)