Bank of St. Francisville: 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 Loans and leases to core deposits: 3.27 percentage points higher than in Q1 2026, at 100.66%. Bank of St. Francisville ranks 36th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 87.54% (Q2 2026). Bank of St. Francisville reported 87.54% on loan-to-deposit ratio for Q2 2026, 6.70 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 | $37.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $85.9M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.54% |
| Net loans and leases to deposits | 86.38% |
| Loans and leases to core deposits | 100.66% |
| Core deposits to total deposits | 86.97% |
| 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 | 89.24% | 90.41% | $0 | $15.0M |
| Q4 2023 | 82.97% | 90.23% | $0 | $15.0M |
| Q1 2024 | 82.35% | 88.98% | $0 | $15.0M |
| Q2 2024 | 84.84% | 88.90% | $0 | $15.0M |
| Q3 2024 | 83.77% | 86.87% | $0 | $15.0M |
| Q4 2024 | 79.59% | 88.34% | $0 | $15.0M |
| Q1 2025 | 83.16% | 87.60% | $0 | $15.0M |
| Q2 2025 | 86.32% | 86.54% | $0 | $15.0M |
| Q3 2025 | 87.44% | 85.79% | $0 | $15.0M |
| Q4 2025 | 89.81% | 87.57% | $0 | $10.0M |
| Q1 2026 | 85.53% | 87.82% | $0 | $10.0M |
| Q2 2026 | 87.54% | 86.97% | $0 | $10.0M |
Bank of St. Francisville liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of St. Francisville, 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 St. Francisville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22739) · FFIEC NIC profile (RSSD 364430)