Bank of Montana: 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.
Loans and leases to core deposits climbed 3.40 percentage points in Q2 2026, from 25.03% to 28.43%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bank of Montana is 3rd from the bottom among 35 Montana banks, 27.40% (Q2 2026). Bank of Montana's loan-to-deposit ratio of 27.40% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 53.44 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $228.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $228.2M |
| Fed funds sold and reverse repos | $40K |
| Fed funds sold and reverse repos to assets | 0.01% |
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 | 27.40% |
| Net loans and leases to deposits | 27.25% |
| Loans and leases to core deposits | 28.43% |
| Core deposits to total deposits | 96.37% |
| 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 | 44.20% | 96.05% | $0 | $0 |
| Q4 2023 | 33.38% | 96.58% | $0 | $0 |
| Q1 2024 | 32.26% | 96.50% | $0 | $0 |
| Q2 2024 | 33.35% | 96.65% | $0 | $0 |
| Q3 2024 | 30.93% | 96.72% | $7.5M | $0 |
| Q4 2024 | 40.46% | 95.57% | $0 | $0 |
| Q1 2025 | 27.74% | 96.56% | $0 | $0 |
| Q2 2025 | 29.41% | 96.38% | $0 | $0 |
| Q3 2025 | 25.70% | 96.71% | $0 | $0 |
| Q4 2025 | 30.37% | 96.80% | $0 | $0 |
| Q1 2026 | 24.37% | 97.35% | $0 | $0 |
| Q2 2026 | 27.40% | 96.37% | $0 | $0 |
Bank of Montana liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Montana, 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 Montana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58482) · FFIEC NIC profile (RSSD 3470097)