The Callaway 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 Other borrowed money: 100.0% lower than in Q1 2026, at $0. The Callaway Bank ranks 77th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 88.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Callaway Bank sits 8.04 points higher, at 88.88% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $109.6M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.49% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $29.2M |
| 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 | 88.88% |
| Net loans and leases to deposits | 87.84% |
| Loans and leases to core deposits | 95.53% |
| Core deposits to total deposits | 93.04% |
| 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 | 93.53% | 91.83% | $29.0M | $11.0M |
| Q4 2023 | 96.27% | 90.64% | $29.4M | $18.6M |
| Q1 2024 | 93.85% | 90.93% | $27.4M | $13.0M |
| Q2 2024 | 95.71% | 90.92% | $30.0M | $10.6M |
| Q3 2024 | 92.19% | 90.76% | $27.2M | $11.7M |
| Q4 2024 | 89.05% | 92.50% | $23.3M | $11.7M |
| Q1 2025 | 92.99% | 93.54% | $24.9M | $11.7M |
| Q2 2025 | 92.98% | 93.88% | $28.4M | $17.7M |
| Q3 2025 | 92.79% | 93.47% | $29.8M | $15.6M |
| Q4 2025 | 92.05% | 93.28% | $28.7M | $5.9M |
| Q1 2026 | 83.13% | 93.49% | $29.7M | $1.9M |
| Q2 2026 | 88.88% | 93.04% | $29.2M | $0 |
The Callaway Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Callaway 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 Callaway Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12223) · FFIEC NIC profile (RSSD 719656)