Bank of Lindsay: 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 Loan-to-deposit ratio: 4.09 percentage points higher than in Q1 2026, at 110.87%. On loan-to-deposit ratio, Bank of Lindsay ranks 3rd highest among the 138 banks headquartered in Nebraska, at 110.87% (Q2 2026). Bank of Lindsay's loan-to-deposit ratio of 110.87% is well above the 67.92% median for banks in the < $100M asset tier, a gap of 42.95 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.1M |
| 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 | $16.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 16.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.87% |
| Net loans and leases to deposits | 109.79% |
| Loans and leases to core deposits | 120.81% |
| Core deposits to total deposits | 63.07% |
| Brokered deposits to total deposits | 28.70% |
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 | 120.10% | 70.51% | $0 | $20.8M |
| Q4 2023 | 123.94% | 72.98% | $0 | $22.4M |
| Q1 2024 | 116.58% | 77.40% | $0 | $13.3M |
| Q2 2024 | 125.08% | 76.49% | $0 | $21.1M |
| Q3 2024 | 123.94% | 70.80% | $0 | $22.5M |
| Q4 2024 | 132.20% | 66.57% | $0 | $26.3M |
| Q1 2025 | 121.69% | 68.31% | $0 | $19.0M |
| Q2 2025 | 113.81% | 68.12% | $0 | $16.8M |
| Q3 2025 | 131.27% | 66.87% | $387K | $21.6M |
| Q4 2025 | 113.44% | 62.86% | $0 | $20.8M |
| Q1 2026 | 106.79% | 63.98% | $0 | $16.7M |
| Q2 2026 | 110.87% | 63.07% | $0 | $16.5M |
Bank of Lindsay liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lindsay, 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 Lindsay profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19087) · FFIEC NIC profile (RSSD 111157)