Bank of Labor: 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.
Fed funds purchased and repos dropped 60.8% in Q2 2026, from $16.2M to $6.4M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Labor is 6th from the bottom among 182 Kansas banks, 35.15% (Q2 2026). Bank of Labor's loan-to-deposit ratio of 35.15% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 53.06 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $153.6M |
| Cash and noninterest-bearing balances to assets | 13.77% |
| Cash and securities | $708.6M |
| Fed funds sold and reverse repos | $608K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.4M |
| 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 | 35.15% |
| Net loans and leases to deposits | 34.64% |
| Loans and leases to core deposits | 35.74% |
| Core deposits to total deposits | 71.26% |
| Brokered deposits to total deposits | 27.09% |
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 | 36.51% | 87.61% | $33.4M | $0 |
| Q4 2023 | 37.31% | 86.18% | $31.8M | $0 |
| Q1 2024 | 38.17% | 84.24% | $33.1M | $40.0M |
| Q2 2024 | 37.20% | 79.46% | $27.8M | $20.0M |
| Q3 2024 | 36.72% | 78.82% | $27.3M | $0 |
| Q4 2024 | 38.44% | 79.99% | $20.8M | $0 |
| Q1 2025 | 35.13% | 77.45% | $29.6M | $0 |
| Q2 2025 | 34.09% | 74.90% | $20.2M | $0 |
| Q3 2025 | 36.67% | 74.41% | $16.7M | $0 |
| Q4 2025 | 36.26% | 74.29% | $18.8M | $0 |
| Q1 2026 | 35.77% | 74.43% | $16.2M | $0 |
| Q2 2026 | 35.15% | 71.26% | $6.4M | $0 |
Bank of Labor liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Labor, 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 Labor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1874) · FFIEC NIC profile (RSSD 246657)