Concordia Bank & Trust Company: 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.
Core deposits to total deposits dropped 1.45 percentage points in Q2 2026, from 87.31% to 85.86%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Concordia Bank & Trust Company is 83rd of 103 on loan-to-deposit ratio, 61.53% as of Q2 2026, below the middle of the field. Concordia Bank & Trust Company reported 61.53% on loan-to-deposit ratio for Q2 2026, 19.31 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $63.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $277.6M |
| 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 | $11.8M |
| 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 | 61.53% |
| Net loans and leases to deposits | 60.86% |
| Loans and leases to core deposits | 71.66% |
| Core deposits to total deposits | 85.86% |
| 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 | 64.46% | 90.74% | $13.8M | $30.0M |
| Q4 2023 | 64.94% | 89.21% | $16.3M | $40.0M |
| Q1 2024 | 66.19% | 90.69% | $17.8M | $27.0M |
| Q2 2024 | 67.86% | 86.66% | $11.7M | $35.0M |
| Q3 2024 | 67.66% | 86.38% | $12.7M | $20.0M |
| Q4 2024 | 65.29% | 87.41% | $15.0M | $0 |
| Q1 2025 | 65.17% | 88.01% | $15.4M | $0 |
| Q2 2025 | 66.70% | 88.07% | $14.4M | $0 |
| Q3 2025 | 63.43% | 87.52% | $13.4M | $0 |
| Q4 2025 | 64.69% | 87.16% | $12.4M | $0 |
| Q1 2026 | 61.42% | 87.31% | $12.5M | $0 |
| Q2 2026 | 61.53% | 85.86% | $11.8M | $0 |
Concordia Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Concordia Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8527) · FFIEC NIC profile (RSSD 819556)