Bank of 1889: 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 Q3 2026 was in Loans and leases to core deposits: 3.49 percentage points higher than in Q2 2026, at 100.80%. Bank of 1889 ranks 34th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 88.15% (Q3 2026). Bank of 1889 reported 88.15% on loan-to-deposit ratio for Q3 2026, 7.31 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.9M |
| Fed funds sold and reverse repos | $32.5M |
| Fed funds sold and reverse repos to assets | 9.33% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 88.15% |
| Net loans and leases to deposits | 87.17% |
| Loans and leases to core deposits | 100.80% |
| Core deposits to total deposits | 87.45% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 84.13% | 92.13% | $0 | $0 |
| Q1 2024 | 88.03% | 91.64% | $0 | $0 |
| Q2 2024 | 85.70% | 91.76% | $0 | $0 |
| Q3 2024 | 89.01% | 91.12% | $0 | $6.6M |
| Q4 2024 | 91.55% | 91.14% | $0 | $0 |
| Q1 2025 | 91.75% | 91.20% | $0 | $0 |
| Q2 2025 | 92.75% | 90.97% | $0 | $0 |
| Q3 2025 | 92.77% | 90.40% | $0 | $0 |
| Q4 2025 | 87.54% | 90.38% | $0 | $0 |
| Q1 2026 | 87.65% | 90.36% | $0 | $0 |
| Q2 2026 | 87.88% | 90.31% | $0 | $0 |
| Q3 2026 | 88.15% | 87.45% | $0 | $0 |
Bank of 1889 liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of 1889, 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 of 1889 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3854) · FFIEC NIC profile (RSSD 864846)