Bank of Cave City: 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 Net loans and leases to deposits: 1.88 percentage points higher than in Q1 2026, at 76.18%. Within Arkansas, Bank of Cave City is 56th of 78 on loan-to-deposit ratio, 76.68% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Cave City sits 4.27 points lower, at 76.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.0M |
| Fed funds sold and reverse repos | $6.1M |
| Fed funds sold and reverse repos to assets | 3.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.68% |
| Net loans and leases to deposits | 76.18% |
| Loans and leases to core deposits | 90.24% |
| Core deposits to total deposits | 84.19% |
| Brokered deposits to total deposits | 0.78% |
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 | 87.27% | 89.05% | $75K | $22.3M |
| Q4 2023 | 83.00% | 88.10% | $200K | $19.1M |
| Q1 2024 | 80.35% | 86.48% | $0 | $18.8M |
| Q2 2024 | 79.96% | 86.23% | $0 | $16.9M |
| Q3 2024 | 82.64% | 85.91% | $0 | $16.7M |
| Q4 2024 | 81.25% | 87.37% | $0 | $16.4M |
| Q1 2025 | 80.03% | 86.98% | $0 | $16.2M |
| Q2 2025 | 76.25% | 85.52% | $0 | $7.9M |
| Q3 2025 | 75.60% | 83.82% | $0 | $7.8M |
| Q4 2025 | 74.25% | 83.68% | $0 | $7.7M |
| Q1 2026 | 74.82% | 83.46% | $0 | $7.5M |
| Q2 2026 | 76.68% | 84.19% | $0 | $7.4M |
Bank of Cave City liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cave City, 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 Cave City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 105) · FFIEC NIC profile (RSSD 629148)