Central Bank of Kansas City: 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 Other borrowed money: 166.7% higher than in Q1 2026, at $20.0M. Within Missouri, Central Bank of Kansas City is 40th of 192 on loan-to-deposit ratio, 96.09% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Central Bank of Kansas City sits 15.25 points higher, at 96.09% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $65.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.4M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.09% |
| Net loans and leases to deposits | 94.90% |
| Loans and leases to core deposits | 97.50% |
| Core deposits to total deposits | 90.22% |
| Brokered deposits to total deposits | 8.33% |
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 | 78.90% | 76.07% | $0 | $0 |
| Q4 2023 | 78.83% | 76.21% | $0 | $0 |
| Q1 2024 | 82.64% | 81.93% | $0 | $0 |
| Q2 2024 | 103.19% | 97.26% | $0 | $21.4M |
| Q3 2024 | 99.11% | 97.17% | $0 | $16.0M |
| Q4 2024 | 98.47% | 89.07% | $0 | $0 |
| Q1 2025 | 101.13% | 97.65% | $0 | $0 |
| Q2 2025 | 102.37% | 97.79% | $0 | $7.5M |
| Q3 2025 | 94.09% | 98.38% | $0 | $7.5M |
| Q4 2025 | 93.70% | 92.08% | $0 | $7.5M |
| Q1 2026 | 97.66% | 94.66% | $0 | $7.5M |
| Q2 2026 | 96.09% | 90.22% | $0 | $20.0M |
Central Bank of Kansas City liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank of Kansas City, 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 of Kansas City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17009) · FFIEC NIC profile (RSSD 751852)