Bank of Salem: 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.
Loan-to-deposit ratio climbed 2.49 percentage points in Q2 2026, from 85.48% to 87.97%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Bank of Salem is 35th of 78 on loan-to-deposit ratio, 87.97% as of Q2 2026, above the middle of the field. Bank of Salem reported 87.97% on loan-to-deposit ratio for Q2 2026, 7.13 points above 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 | $43.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.9M |
| 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 | $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 | 87.97% |
| Net loans and leases to deposits | 86.21% |
| Loans and leases to core deposits | 105.26% |
| Core deposits to total deposits | 83.58% |
| 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 | 81.29% | 88.66% | $0 | $0 |
| Q4 2023 | 82.93% | 88.91% | $0 | $0 |
| Q1 2024 | 82.43% | 87.78% | $0 | $0 |
| Q2 2024 | 84.01% | 86.59% | $0 | $0 |
| Q3 2024 | 89.34% | 84.37% | $0 | $0 |
| Q4 2024 | 90.85% | 85.75% | $0 | $0 |
| Q1 2025 | 90.72% | 85.63% | $0 | $0 |
| Q2 2025 | 90.29% | 85.18% | $0 | $0 |
| Q3 2025 | 90.09% | 83.87% | $0 | $0 |
| Q4 2025 | 88.22% | 83.07% | $0 | $0 |
| Q1 2026 | 85.48% | 82.75% | $0 | $0 |
| Q2 2026 | 87.97% | 83.58% | $0 | $0 |
Bank of Salem liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Salem, 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 Salem profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11243) · FFIEC NIC profile (RSSD 931047)