Capitol National 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 to assets: 4.78 percentage points higher than in Q1 2026, at 4.78%. On loan-to-deposit ratio, Capitol National Bank ranks 3rd highest among the 72 banks headquartered in Michigan, at 105.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Capitol National Bank sits 24.29 points higher, at 105.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.0M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.13% |
| Net loans and leases to deposits | 102.68% |
| Loans and leases to core deposits | 111.76% |
| Core deposits to total deposits | 94.07% |
| 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 | 78.89% | 88.47% | $0 | $0 |
| Q4 2023 | 82.86% | 87.68% | $0 | $0 |
| Q1 2024 | 91.11% | 87.77% | $0 | $0 |
| Q2 2024 | 89.50% | 85.57% | $0 | $0 |
| Q3 2024 | 76.92% | 87.91% | $0 | $0 |
| Q4 2024 | 99.16% | 92.29% | $0 | $0 |
| Q1 2025 | 90.08% | 92.78% | $0 | $0 |
| Q2 2025 | 88.19% | 93.65% | $0 | $0 |
| Q3 2025 | 81.08% | 94.59% | $0 | $0 |
| Q4 2025 | 101.45% | 93.96% | $0 | $10.0M |
| Q1 2026 | 102.01% | 94.12% | $0 | $0 |
| Q2 2026 | 105.13% | 94.07% | $0 | $10.0M |
Capitol National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol National 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 Capitol National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24199) · FFIEC NIC profile (RSSD 285544)