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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 13.5% higher than in Q1 2026, at $78.3M. Among 78 Arkansas banks, Central Bank sits 3rd from the top on loan-to-deposit ratio, 110.42% as of Q2 2026. Central Bank reported 110.42% on loan-to-deposit ratio for Q2 2026, 29.87 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 | $78.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $125.5M |
| Fed funds sold and reverse repos | $46.3M |
| Fed funds sold and reverse repos to assets | 4.85% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $117.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.42% |
| Net loans and leases to deposits | 108.86% |
| Loans and leases to core deposits | 124.38% |
| Core deposits to total deposits | 51.35% |
| Brokered deposits to total deposits | 39.85% |
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 | 92.48% | 67.98% | $0 | $41.5M |
| Q4 2023 | 95.03% | 59.96% | $0 | $41.4M |
| Q1 2024 | 97.57% | 59.39% | $0 | $40.3M |
| Q2 2024 | 100.70% | 55.34% | $0 | $45.3M |
| Q3 2024 | 101.18% | 55.26% | $0 | $55.9M |
| Q4 2024 | 99.76% | 56.51% | $0 | $55.9M |
| Q1 2025 | 104.09% | 53.58% | $0 | $55.8M |
| Q2 2025 | 108.57% | 51.92% | $0 | $70.8M |
| Q3 2025 | 104.13% | 51.24% | $0 | $75.7M |
| Q4 2025 | 109.47% | 50.78% | $0 | $90.7M |
| Q1 2026 | 110.51% | 50.77% | $0 | $107.6M |
| Q2 2026 | 110.42% | 51.35% | $0 | $117.5M |
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 1756) · FFIEC NIC profile (RSSD 3488579)