The Bank of Advance: 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 dropped 50.0% in Q2 2026, from $5.0M to $2.5M. It was the largest change from Q1 2026 among the key lines here. The Bank of Advance ranks 56th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 93.00% (Q2 2026). The Bank of Advance reported 93.00% on loan-to-deposit ratio for Q2 2026, 12.16 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.9M |
| 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 | $2.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.00% |
| Net loans and leases to deposits | 91.59% |
| Loans and leases to core deposits | 104.76% |
| Core deposits to total deposits | 88.13% |
| Brokered deposits to total deposits | 0.64% |
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 | 92.04% | 83.66% | $0 | $10.0M |
| Q4 2023 | 87.86% | 85.39% | $0 | $5.0M |
| Q1 2024 | 87.09% | 85.14% | $0 | $5.0M |
| Q2 2024 | 87.62% | 83.38% | $0 | $5.0M |
| Q3 2024 | 90.12% | 84.50% | $0 | $5.0M |
| Q4 2024 | 89.51% | 85.37% | $0 | $5.0M |
| Q1 2025 | 90.75% | 87.49% | $0 | $5.0M |
| Q2 2025 | 91.87% | 87.54% | $0 | $5.0M |
| Q3 2025 | 94.05% | 87.61% | $0 | $5.0M |
| Q4 2025 | 87.42% | 88.40% | $0 | $5.0M |
| Q1 2026 | 91.34% | 87.86% | $0 | $5.0M |
| Q2 2026 | 93.00% | 88.13% | $0 | $2.5M |
The Bank of Advance liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Advance, 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 Bank of Advance profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9369) · FFIEC NIC profile (RSSD 879644)