Central 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.
Cash and balances due from depository institutions dropped 33.2% in Q2 2026, from $27.3M to $18.2M. It was the largest change from Q1 2026 among the key lines here. Among 81 Florida banks, Central Bank sits 6th from the top on loan-to-deposit ratio, 101.47% as of Q2 2026. Central Bank reported 101.47% on loan-to-deposit ratio for Q2 2026, 20.91 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.5M |
| Fed funds sold and reverse repos | $7.8M |
| Fed funds sold and reverse repos to assets | 2.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $24.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.33% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.47% |
| Net loans and leases to deposits | 100.71% |
| Loans and leases to core deposits | 143.10% |
| Core deposits to total deposits | 69.24% |
| Brokered deposits to total deposits | 1.67% |
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 | 94.49% | 75.11% | $0 | $21.0M |
| Q4 2023 | 107.02% | 77.87% | $0 | $32.8M |
| Q1 2024 | 98.66% | 78.73% | $0 | $26.0M |
| Q2 2024 | 105.42% | 76.80% | $0 | $32.0M |
| Q3 2024 | 104.66% | 70.28% | $0 | $34.0M |
| Q4 2024 | 105.93% | 73.14% | $0 | $34.0M |
| Q1 2025 | 104.35% | 77.83% | $0 | $37.5M |
| Q2 2025 | 102.54% | 70.58% | $0 | $33.5M |
| Q3 2025 | 104.64% | 70.24% | $0 | $33.5M |
| Q4 2025 | 104.36% | 62.91% | $0 | $33.5M |
| Q1 2026 | 101.91% | 66.56% | $0 | $35.5M |
| Q2 2026 | 101.47% | 69.24% | $0 | $24.5M |
Central Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58377) · FFIEC NIC profile (RSSD 3468450)