The Bank of Tampa: 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: 5.34 percentage points higher than in Q1 2026, at 78.17%. Within Florida, The Bank of Tampa is 41st of 81 on loan-to-deposit ratio, 76.69% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Bank of Tampa sits 11.52 points lower, at 76.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.1M |
| Cash and noninterest-bearing balances to assets | 1.79% |
| Cash and securities | $819.4M |
| Fed funds sold and reverse repos | $1K |
| 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 | 76.69% |
| Net loans and leases to deposits | 75.67% |
| Loans and leases to core deposits | 78.17% |
| Core deposits to total deposits | 98.11% |
| 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 | 57.04% | 97.50% | $0 | $0 |
| Q4 2023 | 59.50% | 97.02% | $0 | $0 |
| Q1 2024 | 59.64% | 96.59% | $0 | $0 |
| Q2 2024 | 64.77% | 96.36% | $0 | $0 |
| Q3 2024 | 64.59% | 97.07% | $0 | $0 |
| Q4 2024 | 65.38% | 97.27% | $0 | $0 |
| Q1 2025 | 66.97% | 97.21% | $0 | $0 |
| Q2 2025 | 68.92% | 96.97% | $0 | $0 |
| Q3 2025 | 68.77% | 97.58% | $0 | $0 |
| Q4 2025 | 73.93% | 97.87% | $0 | $0 |
| Q1 2026 | 71.38% | 98.00% | $0 | $0 |
| Q2 2026 | 76.69% | 98.11% | $0 | $0 |
The Bank of Tampa 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 Tampa, 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 Tampa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21031) · FFIEC NIC profile (RSSD 273336)