Capital Bank, N.A.: 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 Core deposits to total deposits: 3.13 percentage points higher than in Q1 2026, at 89.00%. Within Maryland, Capital Bank, N.A. is 7th of 27 on loan-to-deposit ratio, 90.55% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Capital Bank, N.A. reported 90.55% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $420.5M |
| Cash and noninterest-bearing balances to assets | 10.96% |
| Cash and securities | $640.4M |
| Fed funds sold and reverse repos | $60K |
| 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 | $50.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.55% |
| Net loans and leases to deposits | 88.96% |
| Loans and leases to core deposits | 94.51% |
| Core deposits to total deposits | 89.00% |
| Brokered deposits to total deposits | 6.81% |
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 | 92.21% | 87.29% | $0 | $22.0M |
| Q4 2023 | 98.10% | 85.94% | $0 | $37.0M |
| Q1 2024 | 95.93% | 85.96% | $0 | $22.0M |
| Q2 2024 | 94.71% | 86.32% | $0 | $32.0M |
| Q3 2024 | 94.97% | 85.73% | $0 | $52.0M |
| Q4 2024 | 93.86% | 79.27% | $0 | $22.0M |
| Q1 2025 | 91.82% | 81.01% | $0 | $22.0M |
| Q2 2025 | 91.90% | 83.13% | $0 | $22.0M |
| Q3 2025 | 95.28% | 84.29% | $0 | $22.0M |
| Q4 2025 | 94.73% | 82.57% | $0 | $50.0M |
| Q1 2026 | 90.65% | 85.88% | $0 | $50.0M |
| Q2 2026 | 90.55% | 89.00% | $0 | $50.0M |
Capital Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital Bank, N.A., 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 Capital Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35278) · FFIEC NIC profile (RSSD 2808602)