The Bank: 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: 1.63 percentage points lower than in Q1 2026, at 96.36%. The Bank ranks 45th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 84.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank sits 3.51 points higher, at 84.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.2M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $812K |
| 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 | 84.35% |
| Net loans and leases to deposits | 82.84% |
| Loans and leases to core deposits | 96.36% |
| Core deposits to total deposits | 87.53% |
| 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 | 94.02% | 91.17% | $1.5M | $36.0M |
| Q4 2023 | 91.28% | 90.15% | $1.5M | $31.0M |
| Q1 2024 | 89.70% | 89.45% | $1.3M | $21.0M |
| Q2 2024 | 90.02% | 87.96% | $1.4M | $11.0M |
| Q3 2024 | 90.70% | 86.87% | $1.5M | $11.0M |
| Q4 2024 | 89.84% | 87.60% | $2.3M | $11.0M |
| Q1 2025 | 86.82% | 87.64% | $1.8M | $11.0M |
| Q2 2025 | 87.96% | 87.06% | $2.1M | $5.0M |
| Q3 2025 | 90.23% | 86.64% | $1.7M | $5.0M |
| Q4 2025 | 90.63% | 86.71% | $1.6M | $1.0M |
| Q1 2026 | 85.23% | 86.98% | $811K | $0 |
| Q2 2026 | 84.35% | 87.53% | $812K | $0 |
The Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34409) · FFIEC NIC profile (RSSD 2505460)