Bank of Pensacola: 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.
Compared with Q1 2026, Cash and balances due from depository institutions rose 7.3% in Q2 2026 to $19.9M, the biggest move on this page. Bank of Pensacola ranks 64th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 61.02% (Q2 2026). Bank of Pensacola reported 61.02% on loan-to-deposit ratio for Q2 2026, 19.81 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 | $64.5M |
| 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 | 61.02% |
| Net loans and leases to deposits | 60.61% |
| Loans and leases to core deposits | 66.57% |
| Core deposits to total deposits | 91.66% |
| 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 | 49.72% | 91.49% | $2.0M | $0 |
| Q4 2023 | 49.97% | 91.92% | $0 | $0 |
| Q1 2024 | 54.39% | 91.35% | $5.0M | $0 |
| Q2 2024 | 53.18% | 91.44% | $5.0M | $0 |
| Q3 2024 | 54.05% | 91.37% | $4.0M | $0 |
| Q4 2024 | 54.91% | 91.54% | $1.5M | $0 |
| Q1 2025 | 57.51% | 91.33% | $0 | $0 |
| Q2 2025 | 53.54% | 91.94% | $0 | $0 |
| Q3 2025 | 57.70% | 91.34% | $0 | $0 |
| Q4 2025 | 58.49% | 91.38% | $0 | $0 |
| Q1 2026 | 60.83% | 91.18% | $0 | $0 |
| Q2 2026 | 61.02% | 91.66% | $0 | $0 |
Bank of Pensacola liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Pensacola, 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 Pensacola profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21284) · FFIEC NIC profile (RSSD 581237)