Bank of Yazoo City: 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 8.67 percentage points in Q2 2026, from 64.22% to 72.89%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Bank of Yazoo City is 40th of 57 on loan-to-deposit ratio, 65.37% as of Q2 2026, below the middle of the field. Bank of Yazoo City reported 65.37% on loan-to-deposit ratio for Q2 2026, 15.47 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.4M |
| 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 | $750K |
| 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 | 65.37% |
| Net loans and leases to deposits | 64.69% |
| Loans and leases to core deposits | 72.89% |
| Core deposits to total deposits | 89.69% |
| 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 | 55.43% | 86.60% | $0 | $16.0M |
| Q4 2023 | 54.75% | 87.69% | $0 | $16.0M |
| Q1 2024 | 50.54% | 88.72% | $0 | $16.0M |
| Q2 2024 | 56.49% | 88.92% | $0 | $9.8M |
| Q3 2024 | 57.85% | 86.43% | $0 | $2.0M |
| Q4 2024 | 57.16% | 85.90% | $0 | $0 |
| Q1 2025 | 53.12% | 87.80% | $0 | $0 |
| Q2 2025 | 54.00% | 86.77% | $0 | $0 |
| Q3 2025 | 58.61% | 89.60% | $0 | $0 |
| Q4 2025 | 60.18% | 89.22% | $0 | $0 |
| Q1 2026 | 58.03% | 90.36% | $0 | $0 |
| Q2 2026 | 65.37% | 89.69% | $750K | $0 |
Bank of Yazoo City liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Yazoo City, 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 Yazoo City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11431) · FFIEC NIC profile (RSSD 118736)