Baybank: 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 4.72 percentage points in Q2 2026, from 99.82% to 104.53%. It was the largest change from Q1 2026 among the key lines here. Baybank ranks 20th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 93.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Baybank sits 13.24 points higher, at 93.80% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.8M |
| 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 | $9.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.80% |
| Net loans and leases to deposits | 92.45% |
| Loans and leases to core deposits | 104.53% |
| Core deposits to total deposits | 89.73% |
| 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 | 84.25% | 90.71% | $0 | $5.0M |
| Q4 2023 | 82.91% | 91.03% | $0 | $5.0M |
| Q1 2024 | 86.47% | 90.91% | $0 | $5.0M |
| Q2 2024 | 85.09% | 90.69% | $0 | $4.4M |
| Q3 2024 | 88.40% | 89.90% | $0 | $5.0M |
| Q4 2024 | 85.62% | 90.33% | $0 | $3.5M |
| Q1 2025 | 84.37% | 90.50% | $0 | $3.5M |
| Q2 2025 | 87.96% | 89.66% | $0 | $3.5M |
| Q3 2025 | 89.24% | 89.33% | $0 | $5.0M |
| Q4 2025 | 89.73% | 89.49% | $0 | $7.0M |
| Q1 2026 | 89.69% | 89.86% | $0 | $9.0M |
| Q2 2026 | 93.80% | 89.73% | $0 | $9.0M |
Baybank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Baybank, 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 Baybank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1092) · FFIEC NIC profile (RSSD 242958)