Bankers' Bank of the West: 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: 552.0% higher than in Q1 2026, at $38.0M. As of Q2 2026, Bankers' Bank of the West ranks first in Colorado on loan-to-deposit ratio among 63 banks, at 135.13%. Bankers' Bank of the West's loan-to-deposit ratio of 135.13% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 54.29 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $52.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.6M |
| Fed funds sold and reverse repos | $38.0M |
| Fed funds sold and reverse repos to assets | 8.76% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $109.9M |
| Other borrowed money | $6.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 135.13% |
| Net loans and leases to deposits | 132.81% |
| Loans and leases to core deposits | 135.13% |
| Core deposits to total deposits | 92.58% |
| Brokered deposits to total deposits | 7.42% |
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 | 121.03% | 71.34% | $93.3M | $0 |
| Q4 2023 | 116.24% | 72.95% | $54.9M | $0 |
| Q1 2024 | 95.71% | 79.00% | $51.6M | $0 |
| Q2 2024 | 138.63% | 73.51% | $118.8M | $0 |
| Q3 2024 | 141.63% | 65.22% | $106.5M | $5.0M |
| Q4 2024 | 108.14% | 66.18% | $70.9M | $5.0M |
| Q1 2025 | 117.60% | 70.33% | $81.0M | $5.0M |
| Q2 2025 | 124.62% | 77.35% | $64.0M | $5.0M |
| Q3 2025 | 125.58% | 82.61% | $71.7M | $6.2M |
| Q4 2025 | 135.90% | 86.02% | $120.1M | $6.2M |
| Q1 2026 | 132.86% | 88.18% | $85.2M | $6.2M |
| Q2 2026 | 135.13% | 92.58% | $109.9M | $6.2M |
Bankers' Bank of the West liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' Bank of the West, 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 Bankers' Bank of the West profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23210) · FFIEC NIC profile (RSSD 732758)