Bank of Bozeman: 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 Cash and balances due from depository institutions: 22.9% lower than in Q1 2026, at $11.2M. Bank of Bozeman ranks 14th of 35 Montana banks on loan-to-deposit ratio, in the upper half at 82.27% (Q2 2026). At 82.27%, Bank of Bozeman's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.2M |
| Fed funds sold and reverse repos | $9.5M |
| Fed funds sold and reverse repos to assets | 8.74% |
Borrowed funds
| Line item | Q2 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 | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.27% |
| Net loans and leases to deposits | 81.04% |
| Loans and leases to core deposits | 95.74% |
| Core deposits to total deposits | 85.94% |
| 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 | 90.70% | 88.22% | $411K | $12.0M |
| Q4 2023 | 87.39% | 82.59% | $1.4M | $7.6M |
| Q1 2024 | 81.42% | 82.36% | $0 | $7.0M |
| Q2 2024 | 84.77% | 86.52% | $0 | $7.0M |
| Q3 2024 | 86.10% | 83.99% | $0 | $6.0M |
| Q4 2024 | 90.73% | 82.46% | $0 | $6.0M |
| Q1 2025 | 88.12% | 81.81% | $0 | $6.5M |
| Q2 2025 | 91.23% | 81.73% | $0 | $6.5M |
| Q3 2025 | 84.17% | 84.19% | $0 | $0 |
| Q4 2025 | 89.93% | 83.46% | $0 | $0 |
| Q1 2026 | 81.17% | 86.04% | $0 | $0 |
| Q2 2026 | 82.27% | 85.94% | $0 | $0 |
Bank of Bozeman liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bozeman, 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 Bozeman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57952) · FFIEC NIC profile (RSSD 3308529)