Bank of Sunset & Trust Company: 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.
Loans and leases to core deposits climbed 7.40 percentage points in Q2 2026, from 96.32% to 103.72%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Bank of Sunset & Trust Company is 27th of 103 on loan-to-deposit ratio, 90.58% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Sunset & Trust Company sits 9.64 points higher, at 90.58% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.1M |
| 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 | 90.58% |
| Net loans and leases to deposits | 89.50% |
| Loans and leases to core deposits | 103.72% |
| Core deposits to total deposits | 87.33% |
| 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 | 89.64% | 95.32% | $0 | $6.3M |
| Q4 2023 | 96.59% | 94.96% | $0 | $12.1M |
| Q1 2024 | 88.07% | 95.32% | $0 | $0 |
| Q2 2024 | 91.12% | 95.17% | $0 | $2.0M |
| Q3 2024 | 94.50% | 95.09% | $0 | $6.0M |
| Q4 2024 | 92.25% | 94.77% | $0 | $2.5M |
| Q1 2025 | 88.96% | 94.59% | $0 | $0 |
| Q2 2025 | 90.03% | 94.46% | $0 | $0 |
| Q3 2025 | 90.17% | 93.99% | $0 | $0 |
| Q4 2025 | 91.89% | 94.03% | $0 | $0 |
| Q1 2026 | 88.26% | 91.63% | $0 | $0 |
| Q2 2026 | 90.58% | 87.33% | $0 | $0 |
Bank of Sunset & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Sunset & Trust Company, 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 Sunset & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11788) · FFIEC NIC profile (RSSD 910239)