The Bank of Tescott: 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 63.5% in Q2 2026, from $35.8M to $13.0M. It was the largest change from Q1 2026 among the key lines here. The Bank of Tescott ranks 56th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 85.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Tescott sits 4.40 points higher, at 85.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.0M |
| Cash and noninterest-bearing balances to assets | 1.53% |
| Cash and securities | $147.0M |
| Fed funds sold and reverse repos | $13.0M |
| Fed funds sold and reverse repos to assets | 2.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.24% |
| Net loans and leases to deposits | 84.11% |
| Loans and leases to core deposits | 95.51% |
| Core deposits to total deposits | 89.25% |
| 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 | 91.39% | 88.62% | $0 | $13.0M |
| Q4 2023 | 91.05% | 87.04% | $2.4M | $13.0M |
| Q1 2024 | 90.18% | 86.79% | $0 | $13.0M |
| Q2 2024 | 92.45% | 86.28% | $0 | $18.0M |
| Q3 2024 | 91.82% | 83.98% | $0 | $18.0M |
| Q4 2024 | 87.84% | 85.39% | $0 | $5.0M |
| Q1 2025 | 85.90% | 86.06% | $0 | $5.0M |
| Q2 2025 | 87.54% | 87.85% | $0 | $29.0M |
| Q3 2025 | 88.32% | 88.12% | $0 | $5.0M |
| Q4 2025 | 84.27% | 89.09% | $0 | $5.0M |
| Q1 2026 | 82.37% | 89.11% | $0 | $5.0M |
| Q2 2026 | 85.24% | 89.25% | $0 | $5.0M |
The Bank of Tescott 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 Tescott, 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 Tescott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1868) · FFIEC NIC profile (RSSD 54058)