Bank of Erath: 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 2.89 percentage points in Q2 2026, from 49.06% to 51.95%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Erath is 10th from the bottom among 103 Louisiana banks, 48.19% (Q2 2026). Bank of Erath reported 48.19% on loan-to-deposit ratio for Q2 2026, 32.64 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 48.19% |
| Net loans and leases to deposits | 47.42% |
| Loans and leases to core deposits | 51.95% |
| Core deposits to total deposits | 92.77% |
| 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 | 66.43% | 92.64% | $0 | $3.0M |
| Q4 2023 | 61.27% | 92.73% | $0 | $3.0M |
| Q1 2024 | 61.74% | 92.26% | $0 | $3.0M |
| Q2 2024 | 63.83% | 92.15% | $0 | $3.0M |
| Q3 2024 | 62.47% | 88.92% | $0 | $0 |
| Q4 2024 | 56.88% | 88.26% | $0 | $0 |
| Q1 2025 | 57.63% | 94.33% | $0 | $0 |
| Q2 2025 | 61.57% | 93.69% | $0 | $0 |
| Q3 2025 | 60.70% | 93.40% | $0 | $0 |
| Q4 2025 | 49.77% | 93.16% | $0 | $0 |
| Q1 2026 | 45.81% | 93.38% | $0 | $0 |
| Q2 2026 | 48.19% | 92.77% | $0 | $0 |
Bank of Erath liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Erath, 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 Erath profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8532) · FFIEC NIC profile (RSSD 399731)