Centera 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 Cash and balances due from depository institutions: 47.8% lower than in Q1 2026, at $9.9M. Centera Bank ranks 155th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 51.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Centera Bank sits 28.77 points lower, at 51.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $152.3M |
| 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 | $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 | 51.79% |
| Net loans and leases to deposits | 51.23% |
| Loans and leases to core deposits | 63.85% |
| Core deposits to total deposits | 81.10% |
| 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 | 49.37% | 83.65% | $0 | $14.3M |
| Q4 2023 | 47.71% | 81.25% | $0 | $5.0M |
| Q1 2024 | 46.84% | 81.89% | $0 | $10.0M |
| Q2 2024 | 51.61% | 82.01% | $0 | $6.3M |
| Q3 2024 | 52.24% | 82.76% | $0 | $5.0M |
| Q4 2024 | 51.52% | 80.72% | $0 | $0 |
| Q1 2025 | 47.85% | 83.42% | $0 | $0 |
| Q2 2025 | 50.88% | 81.01% | $0 | $0 |
| Q3 2025 | 53.94% | 80.30% | $0 | $0 |
| Q4 2025 | 53.18% | 77.97% | $0 | $0 |
| Q1 2026 | 49.66% | 81.14% | $0 | $0 |
| Q2 2026 | 51.79% | 81.10% | $0 | $0 |
Centera Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Centera 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 Centera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16436) · FFIEC NIC profile (RSSD 51459)