Column N.A.: 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 Loans and leases to core deposits: 3.84 percentage points lower than in Q1 2026, at 23.53%. Against a median of 88.20% for banks in the $1B-10B asset tier, Column N.A. reported 23.45% on loan-to-deposit ratio in Q2 2026, 64.75 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $576.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.18B |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 23.45% |
| Net loans and leases to deposits | 23.32% |
| Loans and leases to core deposits | 23.53% |
| Core deposits to total deposits | 99.64% |
| 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 | 50.93% | 92.91% | $0 | $0 |
| Q4 2023 | 52.64% | 98.47% | $0 | $0 |
| Q1 2024 | 48.85% | 98.43% | $0 | $20.0M |
| Q2 2024 | 44.26% | 86.47% | $0 | $20.0M |
| Q3 2024 | 35.54% | 94.99% | $0 | $0 |
| Q4 2024 | 32.94% | 84.73% | $0 | $0 |
| Q1 2025 | 32.20% | 85.34% | $0 | $0 |
| Q2 2025 | 29.55% | 99.14% | $0 | $0 |
| Q3 2025 | 21.94% | 99.40% | $0 | $0 |
| Q4 2025 | 30.83% | 99.14% | $0 | $0 |
| Q1 2026 | 27.25% | 99.54% | $0 | $0 |
| Q2 2026 | 23.45% | 99.64% | $0 | $0 |
Column N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Column N.A., 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 Column N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58224) · FFIEC NIC profile (RSSD 3435948)