Climate First 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 Other borrowed money: 251.7% higher than in Q1 2026, at $204.0M. On loan-to-deposit ratio, Climate First Bank ranks 3rd highest among the 81 banks headquartered in Florida, at 108.36% (Q2 2026). Climate First Bank reported 108.36% on loan-to-deposit ratio for Q2 2026, 20.15 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $217.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $220.7M |
| 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 | $204.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.36% |
| Net loans and leases to deposits | 107.23% |
| Loans and leases to core deposits | 127.46% |
| Core deposits to total deposits | 82.27% |
| Brokered deposits to total deposits | 2.74% |
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 | 102.86% | 81.81% | $0 | $32.0M |
| Q4 2023 | 97.17% | 70.67% | $0 | $9.0M |
| Q1 2024 | 91.60% | 79.99% | $0 | $0 |
| Q2 2024 | 98.09% | 82.24% | $0 | $3.0M |
| Q3 2024 | 89.83% | 78.85% | $0 | $0 |
| Q4 2024 | 97.89% | 79.55% | $0 | $20.0M |
| Q1 2025 | 100.27% | 79.53% | $0 | $62.0M |
| Q2 2025 | 101.53% | 81.25% | $0 | $62.0M |
| Q3 2025 | 98.72% | 80.26% | $0 | $61.0M |
| Q4 2025 | 103.53% | 79.32% | $0 | $109.0M |
| Q1 2026 | 100.62% | 79.82% | $0 | $58.0M |
| Q2 2026 | 108.36% | 82.27% | $0 | $204.0M |
Climate First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Climate First 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 Climate First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59257) · FFIEC NIC profile (RSSD 5592340)