Bank of the Rockies: 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 purchased and repos climbed 703.1% in Q2 2026, from $2.4M to $19.5M. It was the largest change from Q1 2026 among the key lines here. Within Montana, Bank of the Rockies is 7th of 35 on loan-to-deposit ratio, 92.90% as of Q2 2026, above the middle of the field. Bank of the Rockies reported 92.90% on loan-to-deposit ratio for Q2 2026, 11.95 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.2M |
| 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 | $19.5M |
| 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 | 92.90% |
| Net loans and leases to deposits | 91.90% |
| Loans and leases to core deposits | 98.83% |
| Core deposits to total deposits | 94.00% |
| 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 | 87.07% | 96.44% | $10.9M | $0 |
| Q4 2023 | 84.76% | 96.98% | $10.0M | $0 |
| Q1 2024 | 89.11% | 97.25% | $19.1M | $0 |
| Q2 2024 | 92.73% | 95.37% | $6.0M | $19.0M |
| Q3 2024 | 87.64% | 95.47% | $0 | $19.0M |
| Q4 2024 | 88.60% | 97.05% | $0 | $19.0M |
| Q1 2025 | 88.25% | 96.72% | $500K | $14.0M |
| Q2 2025 | 88.24% | 95.81% | $0 | $14.0M |
| Q3 2025 | 86.55% | 95.56% | $0 | $11.0M |
| Q4 2025 | 80.77% | 94.82% | $0 | $8.0M |
| Q1 2026 | 85.62% | 94.24% | $2.4M | $0 |
| Q2 2026 | 92.90% | 94.00% | $19.5M | $0 |
Bank of the Rockies liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Rockies, 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 the Rockies profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2205) · FFIEC NIC profile (RSSD 475756)