Century Next 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: 10.1% lower than in Q1 2026, at $71.8M. Century Next Bank ranks 44th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 84.44% (Q2 2026). Century Next Bank reported 84.44% on loan-to-deposit ratio for Q2 2026, 3.60 points above 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 | $71.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $211.6M |
| 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 | $180K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.44% |
| Net loans and leases to deposits | 83.52% |
| Loans and leases to core deposits | 85.86% |
| Core deposits to total deposits | 98.34% |
| 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 | 92.11% | 97.48% | $0 | $284K |
| Q4 2023 | 87.19% | 97.27% | $0 | $275K |
| Q1 2024 | 84.87% | 97.39% | $0 | $266K |
| Q2 2024 | 80.43% | 97.89% | $0 | $256K |
| Q3 2024 | 78.38% | 98.50% | $0 | $247K |
| Q4 2024 | 79.23% | 98.45% | $0 | $238K |
| Q1 2025 | 77.14% | 98.41% | $0 | $228K |
| Q2 2025 | 76.28% | 98.42% | $0 | $219K |
| Q3 2025 | 79.68% | 98.33% | $0 | $209K |
| Q4 2025 | 85.66% | 98.18% | $0 | $199K |
| Q1 2026 | 83.53% | 98.31% | $0 | $189K |
| Q2 2026 | 84.44% | 98.34% | $0 | $180K |
Century Next Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Next 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 Century Next Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29700) · FFIEC NIC profile (RSSD 345877)