Bank of Estes Park: 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 Core deposits to total deposits: 6.54 percentage points lower than in Q1 2026, at 84.30%. Bank of Estes Park ranks 51st of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 62.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Estes Park sits 18.52 points lower, at 62.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.8M |
| Fed funds sold and reverse repos | $8.5M |
| Fed funds sold and reverse repos to assets | 4.96% |
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 | 62.32% |
| Net loans and leases to deposits | 61.23% |
| Loans and leases to core deposits | 73.92% |
| Core deposits to total deposits | 84.30% |
| Brokered deposits to total deposits | 6.44% |
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 | 56.69% | 97.39% | $0 | $0 |
| Q4 2023 | 59.98% | 96.26% | $0 | $0 |
| Q1 2024 | 61.68% | 96.66% | $0 | $0 |
| Q2 2024 | 67.51% | 96.37% | $0 | $0 |
| Q3 2024 | 63.58% | 95.14% | $0 | $0 |
| Q4 2024 | 66.82% | 95.89% | $0 | $0 |
| Q1 2025 | 66.51% | 93.45% | $0 | $0 |
| Q2 2025 | 68.91% | 92.40% | $0 | $0 |
| Q3 2025 | 68.87% | 92.22% | $0 | $0 |
| Q4 2025 | 69.62% | 91.22% | $0 | $0 |
| Q1 2026 | 67.13% | 90.84% | $0 | $0 |
| Q2 2026 | 62.32% | 84.30% | $0 | $0 |
Bank of Estes Park liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Estes Park, 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 Estes Park profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19351) · FFIEC NIC profile (RSSD 550354)