The Bank of Baker: 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 Fed funds sold and reverse repos: 38.3% lower than in Q1 2026, at $2.5M. The Bank of Baker ranks 26th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 63.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Baker sits 17.57 points lower, at 63.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $62.2M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 1.58% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $500K |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.27% |
| Net loans and leases to deposits | 62.37% |
| Loans and leases to core deposits | 67.43% |
| Core deposits to total deposits | 93.83% |
| 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 | 63.42% | 99.18% | $500K | $0 |
| Q4 2023 | 71.75% | 97.99% | $500K | $0 |
| Q1 2024 | 60.53% | 97.99% | $500K | $0 |
| Q2 2024 | 65.66% | 97.60% | $500K | $0 |
| Q3 2024 | 65.84% | 97.35% | $481K | $0 |
| Q4 2024 | 58.51% | 96.64% | $500K | $0 |
| Q1 2025 | 59.59% | 96.04% | $500K | $0 |
| Q2 2025 | 61.70% | 95.84% | $500K | $0 |
| Q3 2025 | 62.84% | 95.44% | $500K | $0 |
| Q4 2025 | 60.73% | 94.87% | $500K | $0 |
| Q1 2026 | 60.79% | 93.52% | $500K | $0 |
| Q2 2026 | 63.27% | 93.83% | $500K | $0 |
The Bank of Baker 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 Baker, 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 Baker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 352) · FFIEC NIC profile (RSSD 222558)