Bank Independent: 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.
Loans and leases to core deposits climbed 3.78 percentage points in Q2 2026, from 75.48% to 79.27%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Bank Independent is 33rd of 93 on loan-to-deposit ratio, 75.42% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank Independent sits 12.78 points lower, at 75.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | 9.37% |
| Cash and securities | $725.1M |
| 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 | $18.7M |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.42% |
| Net loans and leases to deposits | 74.37% |
| Loans and leases to core deposits | 79.27% |
| Core deposits to total deposits | 94.74% |
| Brokered deposits to total deposits | 0.43% |
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 | 82.90% | 94.56% | $25.7M | $115.0M |
| Q4 2023 | 77.92% | 93.32% | $24.9M | $115.0M |
| Q1 2024 | 77.65% | 94.37% | $17.3M | $95.0M |
| Q2 2024 | 78.21% | 92.46% | $18.6M | $95.0M |
| Q3 2024 | 80.56% | 92.29% | $20.5M | $95.0M |
| Q4 2024 | 76.50% | 93.02% | $23.3M | $95.0M |
| Q1 2025 | 77.96% | 93.39% | $20.7M | $80.0M |
| Q2 2025 | 77.69% | 93.37% | $16.0M | $80.0M |
| Q3 2025 | 74.19% | 93.39% | $18.7M | $60.0M |
| Q4 2025 | 69.10% | 94.01% | $14.9M | $60.0M |
| Q1 2026 | 71.82% | 94.66% | $16.3M | $30.0M |
| Q2 2026 | 75.42% | 94.74% | $18.7M | $30.0M |
Bank Independent liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Independent, 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 Independent profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16604) · FFIEC NIC profile (RSSD 539032)