The Baldwin State 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: 3.20 percentage points lower than in Q1 2026, at 49.82%. The Baldwin State Bank has the 19th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 46.76% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Baldwin State Bank sits 34.18 points lower, at 46.76% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.6M |
| 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 | $1.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.76% |
| Net loans and leases to deposits | 46.14% |
| Loans and leases to core deposits | 49.82% |
| Core deposits to total deposits | 93.86% |
| 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 | 53.51% | 97.91% | $0 | $1.5M |
| Q4 2023 | 55.14% | 97.84% | $0 | $1.5M |
| Q1 2024 | 53.35% | 97.76% | $0 | $1.5M |
| Q2 2024 | 50.30% | 97.62% | $0 | $1.5M |
| Q3 2024 | 50.17% | 97.28% | $0 | $1.5M |
| Q4 2024 | 54.53% | 96.78% | $1.9M | $2.5M |
| Q1 2025 | 51.54% | 97.02% | $0 | $1.5M |
| Q2 2025 | 50.17% | 94.63% | $0 | $1.5M |
| Q3 2025 | 51.79% | 93.36% | $0 | $1.5M |
| Q4 2025 | 52.49% | 93.80% | $0 | $1.5M |
| Q1 2026 | 49.80% | 93.92% | $0 | $1.5M |
| Q2 2026 | 46.76% | 93.86% | $0 | $1.5M |
The Baldwin State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baldwin State 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 The Baldwin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10906) · FFIEC NIC profile (RSSD 997155)