Bankmiami: 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 climbed 3.90 percentage points in Q2 2026, from 32.09% to 35.99%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bankmiami is 5th from the bottom among 81 Florida banks, 35.39% (Q2 2026). Bankmiami's loan-to-deposit ratio of 35.39% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 45.16 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $200.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $211.2M |
| 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 | 35.39% |
| Net loans and leases to deposits | 35.07% |
| Loans and leases to core deposits | 35.99% |
| Core deposits to total deposits | 98.33% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 6 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 |
|---|---|---|---|---|
| Q1 2025 | 0.00% | 100.00% | $0 | $0 |
| Q2 2025 | 29.98% | 98.85% | $0 | $0 |
| Q3 2025 | 34.88% | 98.07% | $0 | $0 |
| Q4 2025 | 46.51% | 98.60% | $0 | $0 |
| Q1 2026 | 31.74% | 98.90% | $0 | $0 |
| Q2 2026 | 35.39% | 98.33% | $0 | $0 |
Bankmiami liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankmiami, 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 Bankmiami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59354) · FFIEC NIC profile (RSSD 5906497)