The Bank of Magnolia Company: 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 sold and reverse repos dropped 53.5% in Q2 2026, from $1.7M to $801K. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Bank of Magnolia Company is 108th of 156 on loan-to-deposit ratio, 74.02% as of Q2 2026, below the middle of the field. The Bank of Magnolia Company reported 74.02% on loan-to-deposit ratio for Q2 2026, 6.82 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 | $17.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.5M |
| Fed funds sold and reverse repos | $801K |
| Fed funds sold and reverse repos to assets | 0.74% |
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 | 74.02% |
| Net loans and leases to deposits | 73.21% |
| Loans and leases to core deposits | 76.43% |
| Core deposits to total deposits | 96.84% |
| 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 | 61.21% | 98.74% | $0 | $0 |
| Q4 2023 | 62.61% | 98.76% | $0 | $0 |
| Q1 2024 | 62.97% | 98.09% | $0 | $0 |
| Q2 2024 | 67.94% | 98.27% | $0 | $0 |
| Q3 2024 | 67.79% | 97.96% | $0 | $0 |
| Q4 2024 | 69.55% | 97.94% | $0 | $0 |
| Q1 2025 | 67.60% | 98.38% | $0 | $0 |
| Q2 2025 | 70.17% | 96.77% | $0 | $0 |
| Q3 2025 | 71.33% | 96.73% | $0 | $0 |
| Q4 2025 | 73.80% | 96.24% | $0 | $0 |
| Q1 2026 | 71.58% | 96.68% | $0 | $0 |
| Q2 2026 | 74.02% | 96.84% | $0 | $0 |
The Bank of Magnolia Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Magnolia Company, 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 The Bank of Magnolia Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2300) · FFIEC NIC profile (RSSD 940021)