Concordia 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 Core deposits to total deposits: 2.29 percentage points higher than in Q1 2026, at 96.21%. Concordia Bank ranks 97th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 85.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Concordia Bank sits 4.76 points higher, at 85.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.6M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 1.92% |
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 | 85.60% |
| Net loans and leases to deposits | 84.48% |
| Loans and leases to core deposits | 88.97% |
| Core deposits to total deposits | 96.21% |
| 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 | 87.39% | 98.58% | $0 | $3.0M |
| Q4 2023 | 89.78% | 97.64% | $0 | $3.0M |
| Q1 2024 | 86.08% | 97.18% | $0 | $0 |
| Q2 2024 | 90.27% | 94.77% | $0 | $3.0M |
| Q3 2024 | 91.12% | 94.56% | $0 | $0 |
| Q4 2024 | 88.62% | 94.08% | $0 | $0 |
| Q1 2025 | 85.73% | 94.07% | $0 | $0 |
| Q2 2025 | 82.66% | 93.37% | $0 | $0 |
| Q3 2025 | 81.06% | 93.02% | $0 | $0 |
| Q4 2025 | 82.79% | 93.55% | $0 | $0 |
| Q1 2026 | 83.65% | 93.93% | $0 | $0 |
| Q2 2026 | 85.60% | 96.21% | $0 | $0 |
Concordia Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Concordia 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 Concordia Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13788) · FFIEC NIC profile (RSSD 164957)