Central Bank and Trust: 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 47.8% in Q2 2026, from $11.3M to $5.9M. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, Central Bank and Trust is 14th of 23 on loan-to-deposit ratio, 61.31% as of Q2 2026, below the middle of the field. Central Bank and Trust reported 61.31% on loan-to-deposit ratio for Q2 2026, 19.53 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $87.9M |
| 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 | $2.8M |
| 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 | 61.31% |
| Net loans and leases to deposits | 60.86% |
| Loans and leases to core deposits | 62.70% |
| Core deposits to total deposits | 97.78% |
| 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 | 62.50% | 98.80% | $0 | $11.8M |
| Q4 2023 | 63.97% | 98.28% | $0 | $3.3M |
| Q1 2024 | 62.97% | 98.08% | $0 | $800K |
| Q2 2024 | 62.46% | 97.72% | $0 | $0 |
| Q3 2024 | 61.81% | 97.56% | $0 | $0 |
| Q4 2024 | 58.27% | 96.51% | $0 | $0 |
| Q1 2025 | 57.00% | 97.23% | $0 | $0 |
| Q2 2025 | 61.91% | 98.24% | $500K | $6.0M |
| Q3 2025 | 62.07% | 97.93% | $3.0M | $0 |
| Q4 2025 | 59.63% | 97.53% | $1.5M | $0 |
| Q1 2026 | 58.63% | 97.11% | $0 | $0 |
| Q2 2026 | 61.31% | 97.78% | $2.8M | $0 |
Central Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 529) · FFIEC NIC profile (RSSD 903950)