Bank of Crocker: 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 to assets: 6.09 percentage points higher than in Q1 2026, at 20.75%. Bank of Crocker has the 6th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 34.16% as of Q2 2026. Bank of Crocker's loan-to-deposit ratio of 34.16% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 46.68 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.5M |
| Fed funds sold and reverse repos | $29.7M |
| Fed funds sold and reverse repos to assets | 20.75% |
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 | 34.16% |
| Net loans and leases to deposits | 33.58% |
| Loans and leases to core deposits | 39.06% |
| Core deposits to total deposits | 87.44% |
| 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 | 31.67% | 88.23% | $0 | $0 |
| Q4 2023 | 32.87% | 88.40% | $0 | $0 |
| Q1 2024 | 33.06% | 88.17% | $0 | $0 |
| Q2 2024 | 33.89% | 88.06% | $0 | $0 |
| Q3 2024 | 35.79% | 88.11% | $0 | $0 |
| Q4 2024 | 36.18% | 88.12% | $0 | $0 |
| Q1 2025 | 36.34% | 88.26% | $0 | $0 |
| Q2 2025 | 38.02% | 87.97% | $0 | $0 |
| Q3 2025 | 38.15% | 88.09% | $0 | $0 |
| Q4 2025 | 37.83% | 88.16% | $0 | $0 |
| Q1 2026 | 37.06% | 87.94% | $0 | $0 |
| Q2 2026 | 34.16% | 87.44% | $0 | $0 |
Bank of Crocker liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Crocker, 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 Crocker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1937) · FFIEC NIC profile (RSSD 765354)