Bank of Franklin County: 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.
Cash and balances due from depository institutions climbed 22.4% in Q2 2026, from $10.2M to $12.5M. It was the largest change from Q1 2026 among the key lines here. Bank of Franklin County ranks 36th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 96.70% (Q2 2026). Bank of Franklin County reported 96.70% on loan-to-deposit ratio for Q2 2026, 15.76 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.5M |
| Cash and noninterest-bearing balances to assets | 2.81% |
| Cash and securities | $50.1M |
| Fed funds sold and reverse repos | $690K |
| Fed funds sold and reverse repos to assets | 0.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $697K |
| Other borrowed money | $21.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.70% |
| Net loans and leases to deposits | 95.58% |
| Loans and leases to core deposits | 103.96% |
| Core deposits to total deposits | 92.00% |
| Brokered deposits to total deposits | 1.02% |
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 | 93.46% | 93.64% | $727K | $31.0M |
| Q4 2023 | 95.18% | 94.79% | $429K | $31.0M |
| Q1 2024 | 97.46% | 92.64% | $581K | $35.0M |
| Q2 2024 | 98.00% | 92.52% | $914K | $35.9M |
| Q3 2024 | 98.95% | 92.49% | $683K | $36.9M |
| Q4 2024 | 96.33% | 92.27% | $362K | $36.9M |
| Q1 2025 | 95.95% | 92.42% | $1.3M | $33.7M |
| Q2 2025 | 97.35% | 93.36% | $1.1M | $33.7M |
| Q3 2025 | 100.07% | 93.19% | $584K | $33.3M |
| Q4 2025 | 98.21% | 93.24% | $412K | $27.9M |
| Q1 2026 | 98.26% | 93.97% | $147K | $27.9M |
| Q2 2026 | 96.70% | 92.00% | $697K | $21.9M |
Bank of Franklin County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Franklin County, 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 Franklin County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35543) · FFIEC NIC profile (RSSD 2913702)