The Bank of Missouri: 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 Cash and balances due from depository institutions: 29.3% lower than in Q1 2026, at $51.5M. Within Missouri, The Bank of Missouri is 79th of 192 on loan-to-deposit ratio, 88.81% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; The Bank of Missouri reported 88.81% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.5M |
| Cash and noninterest-bearing balances to assets | 1.22% |
| Cash and securities | $624.3M |
| 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 | $45.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.07% |
| Trading liabilities | $2.3M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.81% |
| Net loans and leases to deposits | 87.47% |
| Loans and leases to core deposits | 96.22% |
| Core deposits to total deposits | 78.55% |
| Brokered deposits to total deposits | 13.75% |
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 | 87.45% | 91.19% | $21.8M | $255.0M |
| Q4 2023 | 83.58% | 90.68% | $11.5M | $165.0M |
| Q1 2024 | 83.30% | 89.83% | $7.3M | $170.0M |
| Q2 2024 | 81.94% | 88.81% | $8.3M | $170.0M |
| Q3 2024 | 83.06% | 88.74% | $6.3M | $170.0M |
| Q4 2024 | 80.69% | 89.21% | $8.1M | $145.0M |
| Q1 2025 | 82.98% | 89.42% | $14.2M | $110.0M |
| Q2 2025 | 85.07% | 88.61% | $5.8M | $150.0M |
| Q3 2025 | 86.79% | 87.96% | $0 | $125.0M |
| Q4 2025 | 86.20% | 88.33% | $0 | $100.0M |
| Q1 2026 | 87.52% | 76.76% | $0 | $35.0M |
| Q2 2026 | 88.81% | 78.55% | $0 | $45.0M |
The Bank of Missouri 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 Missouri, 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 Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1617) · FFIEC NIC profile (RSSD 330855)