The Bank of Clovis: 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.
Loans and leases to core deposits climbed 6.03 percentage points in Q2 2026, from 57.80% to 63.83%. It was the largest change from Q1 2026 among the key lines here. The Bank of Clovis ranks 16th of 29 New Mexico banks on loan-to-deposit ratio, in the lower half at 58.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Clovis sits 22.70 points lower, at 58.14% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $59.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $205.6M |
| Fed funds sold and reverse repos | $12.5M |
| Fed funds sold and reverse repos to assets | 2.85% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $8.9M |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.14% |
| Net loans and leases to deposits | 57.13% |
| Loans and leases to core deposits | 63.83% |
| Core deposits to total deposits | 91.08% |
| Brokered deposits to total deposits | 2.72% |
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 | 65.43% | 90.08% | $7.1M | $20.0M |
| Q4 2023 | 68.01% | 89.48% | $6.7M | $20.0M |
| Q1 2024 | 65.85% | 89.86% | $5.7M | $20.0M |
| Q2 2024 | 63.04% | 89.41% | $7.5M | $20.0M |
| Q3 2024 | 58.20% | 90.71% | $9.3M | $20.0M |
| Q4 2024 | 56.83% | 91.14% | $6.8M | $10.0M |
| Q1 2025 | 58.70% | 90.89% | $8.4M | $10.0M |
| Q2 2025 | 59.48% | 90.95% | $7.8M | $10.0M |
| Q3 2025 | 57.71% | 91.31% | $8.4M | $10.0M |
| Q4 2025 | 56.31% | 91.53% | $12.6M | $10.0M |
| Q1 2026 | 53.02% | 91.72% | $9.4M | $10.0M |
| Q2 2026 | 58.14% | 91.08% | $8.9M | $10.0M |
The Bank of Clovis 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 Clovis, 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 Clovis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57022) · FFIEC NIC profile (RSSD 2948423)