BankPlus: 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.
Other borrowed money dropped 99.9% in Q2 2026, from $30.0M to $26K. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, BankPlus is 11th of 57 on loan-to-deposit ratio, 87.28% as of Q2 2026. At 87.28%, BankPlus's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $369.4M |
| Cash and noninterest-bearing balances to assets | 4.41% |
| Cash and securities | $1.56B |
| 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 | $26K |
| 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 | 87.28% |
| Net loans and leases to deposits | 86.31% |
| Loans and leases to core deposits | 94.95% |
| Core deposits to total deposits | 90.87% |
| Brokered deposits to total deposits | 1.06% |
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 | 98.48% | 93.75% | $0 | $570.1M |
| Q4 2023 | 95.05% | 91.25% | $0 | $375.1M |
| Q1 2024 | 91.31% | 89.08% | $0 | $280.1M |
| Q2 2024 | 92.85% | 88.62% | $0 | $230.1M |
| Q3 2024 | 90.45% | 88.02% | $0 | $230.0M |
| Q4 2024 | 89.99% | 87.70% | $0 | $185.0M |
| Q1 2025 | 88.38% | 88.16% | $0 | $185.0M |
| Q2 2025 | 90.63% | 87.26% | $0 | $120.0M |
| Q3 2025 | 90.79% | 87.43% | $0 | $90.0M |
| Q4 2025 | 89.91% | 87.09% | $0 | $60.0M |
| Q1 2026 | 87.30% | 89.78% | $0 | $30.0M |
| Q2 2026 | 87.28% | 90.87% | $0 | $26K |
BankPlus liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BankPlus, 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 BankPlus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5903) · FFIEC NIC profile (RSSD 121642)