Clarkson 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: 206.7% higher than in Q1 2026, at $10.2M. Clarkson Bank ranks 120th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 61.37% (Q2 2026). Clarkson Bank reported 61.37% on loan-to-deposit ratio for Q2 2026, 6.55 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.1M |
| 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 | $2.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.37% |
| Net loans and leases to deposits | 60.10% |
| Loans and leases to core deposits | 66.39% |
| Core deposits to total deposits | 92.44% |
| 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 | 48.15% | 90.21% | $0 | $5.0M |
| Q4 2023 | 53.79% | 89.65% | $0 | $6.5M |
| Q1 2024 | 54.26% | 90.11% | $0 | $5.1M |
| Q2 2024 | 51.43% | 90.65% | $0 | $2.3M |
| Q3 2024 | 53.88% | 90.42% | $0 | $2.3M |
| Q4 2024 | 61.58% | 90.16% | $0 | $4.7M |
| Q1 2025 | 52.32% | 88.24% | $0 | $2.3M |
| Q2 2025 | 55.48% | 87.63% | $0 | $2.3M |
| Q3 2025 | 62.71% | 87.97% | $0 | $3.1M |
| Q4 2025 | 72.50% | 88.55% | $0 | $9.5M |
| Q1 2026 | 66.11% | 91.94% | $0 | $2.3M |
| Q2 2026 | 61.37% | 92.44% | $0 | $2.3M |
Clarkson Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Clarkson 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 Clarkson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14581) · FFIEC NIC profile (RSSD 1007958)