The Bank of Monroe: 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.
Net loans and leases to deposits fell 0.52 percentage points from Q1 2026 to Q2 2026, ending at 69.14% against 69.67%. It was the largest change among the key lines on this page. Within West Virginia, The Bank of Monroe is 31st of 41 on loan-to-deposit ratio, 70.04% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Monroe sits 10.80 points lower, at 70.04% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.6M |
| 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 | $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 | 70.04% |
| Net loans and leases to deposits | 69.14% |
| Loans and leases to core deposits | 79.60% |
| Core deposits to total deposits | 87.98% |
| 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 | 64.89% | 92.30% | $0 | $0 |
| Q4 2023 | 63.78% | 92.35% | $0 | $0 |
| Q1 2024 | 64.08% | 91.86% | $0 | $0 |
| Q2 2024 | 64.60% | 91.30% | $0 | $0 |
| Q3 2024 | 64.13% | 91.13% | $0 | $0 |
| Q4 2024 | 65.95% | 90.90% | $0 | $0 |
| Q1 2025 | 67.24% | 90.70% | $0 | $0 |
| Q2 2025 | 67.98% | 90.86% | $0 | $0 |
| Q3 2025 | 66.71% | 90.30% | $0 | $0 |
| Q4 2025 | 68.91% | 88.14% | $0 | $0 |
| Q1 2026 | 70.55% | 88.36% | $0 | $0 |
| Q2 2026 | 70.04% | 87.98% | $0 | $0 |
The Bank of Monroe 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 Monroe, 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 Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6180) · FFIEC NIC profile (RSSD 849432)