Chambers 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.
Loans and leases to core deposits climbed 3.94 percentage points in Q2 2026, from 102.10% to 106.04%. It was the largest change from Q1 2026 among the key lines here. Chambers Bank ranks 36th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 87.63% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Chambers Bank reported 87.63% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $285.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $337.1M |
| Fed funds sold and reverse repos | $269.6M |
| Fed funds sold and reverse repos to assets | 16.98% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $46.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.63% |
| Net loans and leases to deposits | 86.67% |
| Loans and leases to core deposits | 106.04% |
| Core deposits to total deposits | 82.61% |
| Brokered deposits to total deposits | 1.60% |
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 | 95.19% | 87.58% | $0 | $74.7M |
| Q4 2023 | 95.72% | 87.34% | $0 | $76.9M |
| Q1 2024 | 95.28% | 86.57% | $0 | $66.8M |
| Q2 2024 | 94.89% | 85.99% | $0 | $56.8M |
| Q3 2024 | 90.74% | 85.44% | $0 | $51.8M |
| Q4 2024 | 89.54% | 81.69% | $0 | $51.8M |
| Q1 2025 | 88.00% | 82.10% | $0 | $36.8M |
| Q2 2025 | 92.49% | 83.83% | $0 | $56.8M |
| Q3 2025 | 91.11% | 82.48% | $0 | $26.8M |
| Q4 2025 | 89.72% | 81.06% | $0 | $56.8M |
| Q1 2026 | 84.71% | 82.94% | $0 | $46.8M |
| Q2 2026 | 87.63% | 82.61% | $0 | $46.8M |
Chambers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chambers 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 Chambers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5615) · FFIEC NIC profile (RSSD 517049)