Catalyst 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.
Loans and leases to core deposits dropped 1.74 percentage points in Q2 2026, from 90.20% to 88.46%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Catalyst Bank is 51st of 102 on loan-to-deposit ratio, 80.93% as of Q2 2026. At 80.93%, Catalyst Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $101.3M |
| 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 | $9.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.93% |
| Net loans and leases to deposits | 79.84% |
| Loans and leases to core deposits | 88.46% |
| Core deposits to total deposits | 90.90% |
| Brokered deposits to total deposits | 3.40% |
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 | 81.43% | 94.66% | $0 | $9.3M |
| Q4 2023 | 86.19% | 92.61% | $0 | $19.4M |
| Q1 2024 | 81.91% | 91.68% | $0 | $29.4M |
| Q2 2024 | 83.02% | 90.37% | $0 | $30.3M |
| Q3 2024 | 96.82% | 89.52% | $0 | $29.5M |
| Q4 2024 | 88.69% | 87.52% | $0 | $9.6M |
| Q1 2025 | 91.02% | 88.26% | $0 | $9.6M |
| Q2 2025 | 88.91% | 90.38% | $0 | $9.6M |
| Q3 2025 | 85.58% | 89.05% | $0 | $14.7M |
| Q4 2025 | 89.25% | 89.13% | $0 | $14.7M |
| Q1 2026 | 81.57% | 89.83% | $0 | $9.8M |
| Q2 2026 | 80.93% | 90.90% | $0 | $9.8M |
Catalyst Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Catalyst 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 Catalyst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29804) · FFIEC NIC profile (RSSD 420578)