Bank of New Madrid: 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 Q3 2026 was in Other borrowed money: 375.0% higher than in Q2 2026, at $4.8M. Within Missouri, Bank of New Madrid is 153rd of 192 on loan-to-deposit ratio, 71.05% as of Q3 2026, below the middle of the field. Bank of New Madrid reported 71.05% on loan-to-deposit ratio for Q3 2026, 9.78 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.3M |
| Fed funds sold and reverse repos | $76K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 71.05% |
| Net loans and leases to deposits | 70.15% |
| Loans and leases to core deposits | 85.71% |
| Core deposits to total deposits | 82.90% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 61.94% | 87.24% | $0 | $0 |
| Q1 2024 | 53.11% | 81.24% | $0 | $0 |
| Q2 2024 | 59.41% | 83.14% | $0 | $0 |
| Q3 2024 | 61.95% | 86.77% | $0 | $0 |
| Q4 2024 | 59.68% | 87.54% | $0 | $0 |
| Q1 2025 | 54.75% | 83.91% | $0 | $0 |
| Q2 2025 | 60.39% | 84.38% | $0 | $0 |
| Q3 2025 | 68.85% | 86.73% | $0 | $6.0M |
| Q4 2025 | 62.94% | 90.10% | $0 | $0 |
| Q1 2026 | 57.09% | 83.14% | $0 | $0 |
| Q2 2026 | 67.22% | 84.47% | $0 | $1.0M |
| Q3 2026 | 71.05% | 82.90% | $0 | $4.8M |
Bank of New Madrid liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of New Madrid, 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 New Madrid profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14701) · FFIEC NIC profile (RSSD 688556)