The Bank of Old 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. The Bank of Old Monroe ranks 148th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 73.00% (Q2 2026). The Bank of Old Monroe reported 73.00% on loan-to-deposit ratio for Q2 2026, 7.84 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 | $19.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $304.9M |
| 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 | $881K |
| 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 | 73.00% |
| Net loans and leases to deposits | 71.73% |
| Loans and leases to core deposits | 80.44% |
| Core deposits to total deposits | 62.26% |
| Brokered deposits to total deposits | 28.49% |
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 | 59.43% | 82.21% | $162K | $10.0M |
| Q4 2023 | 59.86% | 75.25% | $271K | $10.0M |
| Q1 2024 | 62.88% | 73.06% | $158K | $10.0M |
| Q2 2024 | 63.30% | 68.62% | $442K | $10.0M |
| Q3 2024 | 64.75% | 66.89% | $282K | $10.0M |
| Q4 2024 | 65.99% | 65.23% | $485K | $10.0M |
| Q1 2025 | 61.53% | 63.60% | $226K | $4.0M |
| Q2 2025 | 66.14% | 65.10% | $548K | $0 |
| Q3 2025 | 70.39% | 66.94% | $416K | $26.0M |
| Q4 2025 | 75.28% | 66.61% | $370K | $35.4M |
| Q1 2026 | 70.74% | 62.81% | $414K | $0 |
| Q2 2026 | 73.00% | 62.26% | $881K | $0 |
The Bank of Old 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 Old 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 Old Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1655) · FFIEC NIC profile (RSSD 880855)