Caldwell Bank & 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.
Loan-to-deposit ratio climbed 4.90 percentage points in Q2 2026, from 83.73% to 88.63%. It was the largest change from Q1 2026 among the key lines here. Caldwell Bank & Trust Company ranks 34th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 88.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Caldwell Bank & Trust Company sits 7.79 points higher, at 88.63% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.2M |
| 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 | $6.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.63% |
| Net loans and leases to deposits | 87.62% |
| Loans and leases to core deposits | 104.95% |
| Core deposits to total deposits | 84.35% |
| Brokered deposits to total deposits | 10.23% |
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 | 82.92% | 79.14% | $0 | $0 |
| Q4 2023 | 80.19% | 80.94% | $0 | $0 |
| Q1 2024 | 87.74% | 82.01% | $0 | $0 |
| Q2 2024 | 86.97% | 82.67% | $0 | $5.0M |
| Q3 2024 | 83.93% | 83.98% | $0 | $0 |
| Q4 2024 | 85.17% | 81.95% | $0 | $0 |
| Q1 2025 | 86.68% | 82.57% | $0 | $0 |
| Q2 2025 | 91.79% | 72.22% | $0 | $7.0M |
| Q3 2025 | 92.13% | 71.32% | $0 | $7.0M |
| Q4 2025 | 80.81% | 71.19% | $0 | $0 |
| Q1 2026 | 83.73% | 83.30% | $0 | $0 |
| Q2 2026 | 88.63% | 84.35% | $0 | $6.5M |
Caldwell Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Caldwell Bank & 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 Caldwell Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11785) · FFIEC NIC profile (RSSD 925354)