Bankflorida: 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 dropped 6.93 percentage points in Q2 2026, from 104.94% to 98.02%. It was the largest change from Q1 2026 among the key lines here. Bankflorida ranks 25th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 89.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bankflorida sits 8.45 points higher, at 89.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $84.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $84.3M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.00% |
| Net loans and leases to deposits | 87.76% |
| Loans and leases to core deposits | 98.02% |
| Core deposits to total deposits | 90.80% |
| 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 | 89.80% | 91.07% | $0 | $20.0M |
| Q4 2023 | 93.29% | 91.30% | $0 | $20.0M |
| Q1 2024 | 79.38% | 91.15% | $0 | $20.0M |
| Q2 2024 | 93.27% | 91.17% | $0 | $15.0M |
| Q3 2024 | 91.92% | 88.98% | $0 | $15.0M |
| Q4 2024 | 95.48% | 89.05% | $0 | $25.0M |
| Q1 2025 | 84.09% | 88.81% | $0 | $15.0M |
| Q2 2025 | 85.76% | 88.90% | $0 | $15.0M |
| Q3 2025 | 90.90% | 88.95% | $0 | $15.0M |
| Q4 2025 | 90.63% | 88.51% | $0 | $15.0M |
| Q1 2026 | 93.14% | 88.76% | $0 | $15.0M |
| Q2 2026 | 89.00% | 90.80% | $0 | $15.0M |
Bankflorida liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankflorida, 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 Bankflorida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58537) · FFIEC NIC profile (RSSD 3629484)