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: 4.37 percentage points higher than in Q1 2026, at 76.24%. The Bank ranks 109th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 69.85% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Bank sits 11.09 points lower, at 69.85% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $101.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $220.3M |
| 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 | $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 | 69.85% |
| Net loans and leases to deposits | 68.50% |
| Loans and leases to core deposits | 76.24% |
| Core deposits to total deposits | 91.62% |
| 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 | 59.29% | 95.37% | $89K | $0 |
| Q4 2023 | 57.70% | 93.62% | $0 | $0 |
| Q1 2024 | 58.38% | 92.38% | $0 | $0 |
| Q2 2024 | 62.39% | 91.92% | $0 | $0 |
| Q3 2024 | 66.36% | 92.07% | $0 | $0 |
| Q4 2024 | 65.06% | 93.08% | $0 | $0 |
| Q1 2025 | 65.83% | 92.78% | $0 | $0 |
| Q2 2025 | 72.00% | 92.67% | $0 | $0 |
| Q3 2025 | 70.56% | 92.90% | $0 | $0 |
| Q4 2025 | 70.10% | 92.68% | $0 | $0 |
| Q1 2026 | 66.49% | 92.52% | $0 | $0 |
| Q2 2026 | 69.85% | 91.62% | $0 | $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 26522) · FFIEC NIC profile (RSSD 333650)