Bank 21: 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 22.5% in Q2 2026, from $11.1M to $13.6M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank 21 ranks 6th highest among the 191 banks headquartered in Missouri, at 110.99% (Q2 2026). Bank 21 reported 110.99% on loan-to-deposit ratio for Q2 2026, 30.43 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.9M |
| Fed funds sold and reverse repos | $74K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.99% |
| Net loans and leases to deposits | 109.56% |
| Loans and leases to core deposits | 118.03% |
| Core deposits to total deposits | 94.04% |
| Brokered deposits to total deposits | 2.42% |
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 | 101.57% | 97.84% | $0 | $1.0M |
| Q4 2023 | 110.06% | 97.02% | $0 | $13.0M |
| Q1 2024 | 97.57% | 96.09% | $0 | $7.3M |
| Q2 2024 | 99.36% | 96.44% | $0 | $7.3M |
| Q3 2024 | 104.66% | 96.45% | $0 | $8.8M |
| Q4 2024 | 104.84% | 96.53% | $0 | $7.3M |
| Q1 2025 | 106.48% | 97.16% | $0 | $7.3M |
| Q2 2025 | 107.19% | 94.71% | $0 | $9.6M |
| Q3 2025 | 111.25% | 93.09% | $0 | $16.6M |
| Q4 2025 | 111.40% | 93.10% | $0 | $15.2M |
| Q1 2026 | 109.99% | 93.33% | $0 | $11.1M |
| Q2 2026 | 110.99% | 94.04% | $0 | $13.6M |
Bank 21 liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 21, 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 Bank 21 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8560) · FFIEC NIC profile (RSSD 634544)