Carter Bank & Trust: 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.
Loans and leases to core deposits climbed 1.04 percentage points in Q2 2026, from 94.80% to 95.83%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Carter Bank & Trust is 23rd of 56 on loan-to-deposit ratio, 88.98% 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; Carter Bank & Trust reported 88.98% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $273.4M |
| Cash and noninterest-bearing balances to assets | 5.70% |
| Cash and securities | $926.4M |
| 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 | $10.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.22% |
| Trading liabilities | $10.8M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.98% |
| Net loans and leases to deposits | 87.67% |
| Loans and leases to core deposits | 95.83% |
| Core deposits to total deposits | 88.53% |
| Brokered deposits to total deposits | 4.32% |
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 | 95.91% | 93.00% | $0 | $520.5M |
| Q4 2023 | 94.18% | 91.81% | $0 | $401.1M |
| Q1 2024 | 91.60% | 90.60% | $0 | $318.2M |
| Q2 2024 | 91.44% | 89.99% | $0 | $248.1M |
| Q3 2024 | 88.03% | 87.66% | $0 | $100.0M |
| Q4 2024 | 87.27% | 88.11% | $0 | $80.4M |
| Q1 2025 | 87.76% | 88.31% | $0 | $65.4M |
| Q2 2025 | 88.60% | 88.27% | $0 | $124.6M |
| Q3 2025 | 91.00% | 88.04% | $0 | $186.6M |
| Q4 2025 | 92.11% | 88.08% | $0 | $189.4M |
| Q1 2026 | 88.00% | 88.32% | $0 | $10.8M |
| Q2 2026 | 88.98% | 88.53% | $0 | $10.7M |
Carter Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Carter Bank & Trust, 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 Carter Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58596) · FFIEC NIC profile (RSSD 3476192)