Bank of Versailles: 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.
Other borrowed money climbed 24.5% in Q2 2026, from $39.4M to $49.0M. It was the largest change from Q1 2026 among the key lines here. Bank of Versailles has the highest loan-to-deposit ratio of the 192 banks headquartered in Missouri, 123.68% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Bank of Versailles reported 123.68% on loan-to-deposit ratio in Q2 2026, 42.84 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $38.2M |
| 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 | $0 |
| Other borrowed money | $49.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 123.68% |
| Net loans and leases to deposits | 122.13% |
| Loans and leases to core deposits | 132.52% |
| Core deposits to total deposits | 93.33% |
| 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 | 111.89% | 95.18% | $0 | $22.0M |
| Q4 2023 | 111.23% | 95.43% | $0 | $22.0M |
| Q1 2024 | 113.36% | 94.82% | $0 | $25.4M |
| Q2 2024 | 109.70% | 93.85% | $0 | $22.0M |
| Q3 2024 | 111.57% | 93.25% | $0 | $20.0M |
| Q4 2024 | 116.58% | 93.89% | $0 | $33.0M |
| Q1 2025 | 120.01% | 94.01% | $0 | $41.0M |
| Q2 2025 | 117.97% | 93.63% | $0 | $37.0M |
| Q3 2025 | 120.14% | 92.65% | $0 | $39.0M |
| Q4 2025 | 117.28% | 92.84% | $0 | $32.0M |
| Q1 2026 | 121.86% | 93.46% | $0 | $39.4M |
| Q2 2026 | 123.68% | 93.33% | $0 | $49.0M |
Bank of Versailles liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Versailles, 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 Versailles profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1086) · FFIEC NIC profile (RSSD 625850)