Baker Boyer National 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 Loan-to-deposit ratio: 1.43 percentage points higher than in Q1 2026, at 61.07%. Within Washington, Baker Boyer National Bank is 26th of 29 on loan-to-deposit ratio, 61.07% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Baker Boyer National Bank sits 19.77 points lower, at 61.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $95.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $282.8M |
| 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 | $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 | 61.07% |
| Net loans and leases to deposits | 60.40% |
| Loans and leases to core deposits | 65.44% |
| Core deposits to total deposits | 93.32% |
| 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 | 57.50% | 96.69% | $27.7M | $22.0M |
| Q4 2023 | 59.94% | 95.14% | $23.9M | $14.3M |
| Q1 2024 | 62.19% | 94.25% | $26.1M | $19.3M |
| Q2 2024 | 64.97% | 93.65% | $26.4M | $16.9M |
| Q3 2024 | 66.36% | 92.91% | $24.3M | $8.0M |
| Q4 2024 | 66.91% | 93.56% | $25.1M | $2.5M |
| Q1 2025 | 66.70% | 93.54% | $23.4M | $1.5M |
| Q2 2025 | 67.21% | 93.06% | $21.9M | $0 |
| Q3 2025 | 62.92% | 92.23% | $9.7M | $0 |
| Q4 2025 | 60.87% | 92.27% | $0 | $0 |
| Q1 2026 | 59.63% | 93.03% | $0 | $0 |
| Q2 2026 | 61.07% | 93.32% | $0 | $0 |
Baker Boyer National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Baker Boyer National 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 Baker Boyer National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2987) · FFIEC NIC profile (RSSD 69678)