The Bank of Protection: 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.
Fed funds sold and reverse repos dropped 38.4% in Q2 2026, from $1.4M to $840K. It was the largest change from Q1 2026 among the key lines here. The Bank of Protection ranks 44th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 88.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Bank of Protection sits 8.04 points higher, at 88.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.6M |
| Fed funds sold and reverse repos | $840K |
| Fed funds sold and reverse repos to assets | 0.54% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.98% |
| Net loans and leases to deposits | 88.17% |
| Loans and leases to core deposits | 99.87% |
| Core deposits to total deposits | 89.09% |
| 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 | 72.52% | 82.52% | $516K | $5.6M |
| Q4 2023 | 79.25% | 85.49% | $0 | $11.1M |
| Q1 2024 | 81.12% | 73.62% | $0 | $12.6M |
| Q2 2024 | 82.35% | 75.03% | $0 | $10.1M |
| Q3 2024 | 78.44% | 79.25% | $0 | $9.0M |
| Q4 2024 | 80.42% | 86.94% | $0 | $8.6M |
| Q1 2025 | 78.96% | 80.27% | $0 | $6.5M |
| Q2 2025 | 83.14% | 79.28% | $0 | $7.6M |
| Q3 2025 | 75.56% | 78.48% | $0 | $1.5M |
| Q4 2025 | 83.30% | 91.53% | $0 | $9.8M |
| Q1 2026 | 87.90% | 88.56% | $0 | $15.0M |
| Q2 2026 | 88.98% | 89.09% | $0 | $14.1M |
The Bank of Protection 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 Protection, 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 Protection profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23099) · FFIEC NIC profile (RSSD 531157)