BTC 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.
Fed funds sold and reverse repos dropped 36.4% in Q2 2026, from $12.7M to $8.1M. It was the largest change from Q1 2026 among the key lines here. Among 191 Missouri banks, BTC Bank sits 12th from the top on loan-to-deposit ratio, 107.02% as of Q2 2026. BTC Bank reported 107.02% on loan-to-deposit ratio for Q2 2026, 18.82 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $258.8M |
| Fed funds sold and reverse repos | $8.1M |
| Fed funds sold and reverse repos to assets | 0.42% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $282.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.02% |
| Net loans and leases to deposits | 105.79% |
| Loans and leases to core deposits | 114.27% |
| Core deposits to total deposits | 93.62% |
| Brokered deposits to total deposits | 0.75% |
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 | 93.03% | 94.04% | $0 | $130.7M |
| Q4 2023 | 95.31% | 94.29% | $0 | $147.9M |
| Q1 2024 | 99.52% | 94.25% | $0 | $184.8M |
| Q2 2024 | 106.05% | 93.74% | $0 | $230.3M |
| Q3 2024 | 109.75% | 93.50% | $0 | $273.4M |
| Q4 2024 | 108.92% | 94.61% | $0 | $263.6M |
| Q1 2025 | 108.54% | 94.45% | $0 | $248.2M |
| Q2 2025 | 106.65% | 93.41% | $0 | $190.2M |
| Q3 2025 | 110.18% | 93.90% | $0 | $219.2M |
| Q4 2025 | 108.19% | 94.07% | $0 | $227.3M |
| Q1 2026 | 107.73% | 94.36% | $0 | $214.8M |
| Q2 2026 | 107.02% | 93.62% | $0 | $282.0M |
BTC Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BTC 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 BTC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10618) · FFIEC NIC profile (RSSD 1009242)