Connect 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 Loans and leases to core deposits: 6.18 percentage points higher than in Q1 2026, at 83.73%. Connect Bank ranks 57th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 76.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Connect Bank sits 4.14 points lower, at 76.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.3M |
| 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 | $297K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.24% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.42% |
| Net loans and leases to deposits | 74.63% |
| Loans and leases to core deposits | 83.73% |
| Core deposits to total deposits | 91.26% |
| 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 | 76.39% | 92.13% | $0 | $1.1M |
| Q4 2023 | 68.88% | 91.66% | $0 | $1.0M |
| Q1 2024 | 70.10% | 89.92% | $0 | $896K |
| Q2 2024 | 72.04% | 91.71% | $0 | $775K |
| Q3 2024 | 73.49% | 90.23% | $0 | $655K |
| Q4 2024 | 71.64% | 90.20% | $0 | $534K |
| Q1 2025 | 72.72% | 90.00% | $0 | $412K |
| Q2 2025 | 73.68% | 89.16% | $0 | $373K |
| Q3 2025 | 73.34% | 90.54% | $0 | $354K |
| Q4 2025 | 74.13% | 91.37% | $0 | $335K |
| Q1 2026 | 70.71% | 91.18% | $0 | $316K |
| Q2 2026 | 76.42% | 91.26% | $0 | $297K |
Connect Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Connect 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 Connect Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5634) · FFIEC NIC profile (RSSD 126049)