BANK419: 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 Fed funds sold and reverse repos: 59.7% lower than in Q1 2026, at $2.5M. Within Ohio, BANK419 is 95th of 156 on loan-to-deposit ratio, 77.39% as of Q2 2026. BANK419 reported 77.39% on loan-to-deposit ratio for Q2 2026, 10.07 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.3M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 2.56% |
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 | 77.39% |
| Net loans and leases to deposits | 76.40% |
| Loans and leases to core deposits | 83.31% |
| Core deposits to total deposits | 92.89% |
| Brokered deposits to total deposits | 2.79% |
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 | 75.21% | 93.47% | $0 | $2.0M |
| Q4 2023 | 74.16% | 92.95% | $0 | $2.0M |
| Q1 2024 | 77.44% | 93.20% | $0 | $2.0M |
| Q2 2024 | 80.28% | 90.39% | $0 | $2.0M |
| Q3 2024 | 78.75% | 92.01% | $0 | $2.0M |
| Q4 2024 | 84.27% | 94.37% | $1.4M | $2.0M |
| Q1 2025 | 86.27% | 94.59% | $1.3M | $2.0M |
| Q2 2025 | 82.46% | 93.70% | $0 | $2.0M |
| Q3 2025 | 83.09% | 93.32% | $0 | $2.0M |
| Q4 2025 | 80.77% | 93.11% | $0 | $3.0M |
| Q1 2026 | 79.62% | 93.14% | $0 | $2.0M |
| Q2 2026 | 77.39% | 92.89% | $0 | $0 |
BANK419 liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK419, 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 BANK419 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16167) · FFIEC NIC profile (RSSD 533227)