Banner Capital Bank: 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 Loans and leases to core deposits: 2.09 percentage points higher than in Q1 2026, at 104.26%. Banner Capital Bank ranks 36th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 92.79% (Q2 2026). Banner Capital Bank reported 92.79% on loan-to-deposit ratio for Q2 2026, 11.96 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.9M |
| Cash and noninterest-bearing balances to assets | 4.98% |
| Cash and securities | $53.6M |
| 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 | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.79% |
| Net loans and leases to deposits | 91.60% |
| Loans and leases to core deposits | 104.26% |
| Core deposits to total deposits | 85.23% |
| Brokered deposits to total deposits | 3.77% |
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 | 93.54% | 83.65% | $0 | $4.0M |
| Q4 2023 | 94.68% | 84.04% | $1.9M | $4.0M |
| Q1 2024 | 94.18% | 83.51% | $0 | $2.0M |
| Q2 2024 | 100.51% | 83.71% | $7.0M | $11.7M |
| Q3 2024 | 94.29% | 81.56% | $0 | $2.0M |
| Q4 2024 | 87.21% | 81.70% | $0 | $2.0M |
| Q1 2025 | 89.26% | 81.21% | $0 | $0 |
| Q2 2025 | 88.53% | 80.97% | $0 | $0 |
| Q3 2025 | 89.14% | 81.46% | $0 | $0 |
| Q4 2025 | 89.23% | 84.36% | $0 | $0 |
| Q1 2026 | 90.81% | 85.02% | $0 | $0 |
| Q2 2026 | 92.79% | 85.23% | $0 | $2.0M |
Banner Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Banner Capital Bank, 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 Banner Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19274) · FFIEC NIC profile (RSSD 275255)