The Baxter State 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 Fed funds sold and reverse repos: 47.8% higher than in Q1 2026, at $3.4M. The Baxter State Bank ranks 130th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 64.09% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. The Baxter State Bank sits 3.24 points lower, at 64.09% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.4M |
| Fed funds sold and reverse repos | $3.4M |
| Fed funds sold and reverse repos to assets | 13.51% |
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 | 64.09% |
| Net loans and leases to deposits | 63.00% |
| Loans and leases to core deposits | 67.77% |
| Core deposits to total deposits | 94.56% |
| 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 | 67.77% | 100.00% | $0 | $1.0M |
| Q4 2023 | 71.95% | 100.00% | $0 | $1.0M |
| Q1 2024 | 75.51% | 100.00% | $0 | $1.5M |
| Q2 2024 | 78.24% | 100.00% | $0 | $1.5M |
| Q3 2024 | 72.76% | 100.00% | $0 | $1.5M |
| Q4 2024 | 77.05% | 100.00% | $0 | $1.5M |
| Q1 2025 | 76.60% | 100.00% | $0 | $1.0M |
| Q2 2025 | 79.84% | 100.00% | $0 | $1.0M |
| Q3 2025 | 73.05% | 100.00% | $0 | $1.0M |
| Q4 2025 | 71.93% | 100.00% | $0 | $0 |
| Q1 2026 | 67.27% | 94.55% | $0 | $0 |
| Q2 2026 | 64.09% | 94.56% | $0 | $0 |
The Baxter State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baxter State 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 The Baxter State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12432) · FFIEC NIC profile (RSSD 1000856)