The Central Trust 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 44.2% in Q2 2026, from $1.38B to $769.3M. It was the largest change from Q1 2026 among the key lines here. The Central Trust Bank ranks 152nd of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 71.33% (Q2 2026). The Central Trust Bank reported 71.33% on loan-to-deposit ratio for Q2 2026, 15.50 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $769.3M |
| Cash and noninterest-bearing balances to assets | 3.78% |
| Cash and securities | $7.79B |
| Fed funds sold and reverse repos | $896K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $913.1M |
| Other borrowed money | $1.01B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.33% |
| Net loans and leases to deposits | 70.41% |
| Loans and leases to core deposits | 73.49% |
| Core deposits to total deposits | 97.06% |
| 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 | 77.72% | 97.09% | $1.16B | $980.0M |
| Q4 2023 | 76.36% | 96.87% | $1.23B | $980.0M |
| Q1 2024 | 75.29% | 96.69% | $1.02B | $980.0M |
| Q2 2024 | 77.83% | 96.77% | $938.8M | $980.0M |
| Q3 2024 | 78.46% | 96.68% | $911.0M | $980.0M |
| Q4 2024 | 76.02% | 96.63% | $1.01B | $980.0M |
| Q1 2025 | 74.37% | 96.55% | $1.10B | $980.0M |
| Q2 2025 | 75.19% | 96.26% | $973.6M | $980.0M |
| Q3 2025 | 74.81% | 96.18% | $958.8M | $980.0M |
| Q4 2025 | 68.51% | 96.81% | $1.01B | $1.01B |
| Q1 2026 | 70.45% | 96.75% | $1.07B | $1.01B |
| Q2 2026 | 71.33% | 97.06% | $913.1M | $1.01B |
The Central Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Central Trust 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 The Central Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12633) · FFIEC NIC profile (RSSD 853952)