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 Fed funds purchased and repos: 15.2% higher than in Q1 2026, at $47.7M. Within Utah, Central Bank is 31st of 44 on loan-to-deposit ratio, 76.76% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Central Bank sits 11.44 points lower, at 76.76% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $209.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $764.3M |
| Fed funds sold and reverse repos | $180.5M |
| Fed funds sold and reverse repos to assets | 8.34% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $47.7M |
| 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 | 76.76% |
| Net loans and leases to deposits | 74.29% |
| Loans and leases to core deposits | 86.41% |
| Core deposits to total deposits | 88.83% |
| 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 | 73.30% | 90.51% | $54.6M | $145.0M |
| Q4 2023 | 80.11% | 89.43% | $49.2M | $225.0M |
| Q1 2024 | 79.73% | 88.88% | $56.6M | $160.0M |
| Q2 2024 | 81.32% | 88.02% | $52.6M | $150.0M |
| Q3 2024 | 84.49% | 87.68% | $55.8M | $153.0M |
| Q4 2024 | 88.02% | 86.70% | $47.5M | $174.0M |
| Q1 2025 | 81.26% | 87.43% | $49.5M | $50.0M |
| Q2 2025 | 82.25% | 87.58% | $43.5M | $50.0M |
| Q3 2025 | 82.47% | 87.81% | $43.1M | $0 |
| Q4 2025 | 81.28% | 86.77% | $40.8M | $0 |
| Q1 2026 | 77.47% | 88.82% | $41.4M | $1.9M |
| Q2 2026 | 76.76% | 88.83% | $47.7M | $0 |
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 9204) · FFIEC NIC profile (RSSD 622774)