Burke and Herbert Bank and Trust Company: 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 Cash and balances due from depository institutions: 141.9% higher than in Q1 2026, at $166.2M. Within Virginia, Burke and Herbert Bank and Trust Company is 24th of 56 on loan-to-deposit ratio, 88.94% as of Q2 2026, above the middle of the field. At 88.94%, Burke and Herbert Bank and Trust Company's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $166.2M |
| Cash and noninterest-bearing balances to assets | 1.51% |
| Cash and securities | $2.13B |
| 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 | $529.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.94% |
| Net loans and leases to deposits | 87.89% |
| Loans and leases to core deposits | 94.09% |
| Core deposits to total deposits | 93.18% |
| Brokered deposits to total deposits | 1.34% |
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 | 69.36% | 84.80% | $0 | $302.8M |
| Q4 2023 | 69.59% | 83.97% | $0 | $275.8M |
| Q1 2024 | 70.88% | 83.99% | $0 | $363.8M |
| Q2 2024 | 84.34% | 90.23% | $161K | $288.7M |
| Q3 2024 | 84.33% | 90.77% | $163K | $323.7M |
| Q4 2024 | 86.99% | 91.89% | $0 | $368.6M |
| Q1 2025 | 86.25% | 91.77% | $0 | $303.6M |
| Q2 2025 | 87.42% | 93.41% | $0 | $653.5M |
| Q3 2025 | 86.62% | 93.45% | $0 | $453.4M |
| Q4 2025 | 84.05% | 94.39% | $0 | $454.2M |
| Q1 2026 | 85.27% | 95.18% | $0 | $529.7M |
| Q2 2026 | 88.94% | 93.18% | $0 | $529.6M |
Burke and Herbert Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Burke and Herbert Bank and Trust Company, 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 Burke and Herbert Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11578) · FFIEC NIC profile (RSSD 933621)