Continental 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.
Net loans and leases to deposits climbed 3.44 percentage points in Q2 2026, from 98.59% to 102.04%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Continental Bank is 13th of 44 on loan-to-deposit ratio, 103.71% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Continental Bank sits 23.16 points higher, at 103.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.1M |
| Fed funds sold and reverse repos | $17.2M |
| Fed funds sold and reverse repos to assets | 9.47% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $4.0M |
| Other borrowed money | $4.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.71% |
| Net loans and leases to deposits | 102.04% |
| Loans and leases to core deposits | 103.93% |
| Core deposits to total deposits | 76.40% |
| Brokered deposits to total deposits | 23.39% |
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 | 109.43% | 30.38% | $0 | $10.5M |
| Q4 2023 | 113.11% | 27.00% | $7.2M | $10.4M |
| Q1 2024 | 112.15% | 29.13% | $4.3M | $10.4M |
| Q2 2024 | 121.08% | 29.63% | $12.9M | $12.4M |
| Q3 2024 | 116.05% | 39.69% | $3.9M | $14.4M |
| Q4 2024 | 114.05% | 33.78% | $3.9M | $16.3M |
| Q1 2025 | 113.29% | 47.64% | $12.5M | $6.8M |
| Q2 2025 | 110.59% | 64.93% | $0 | $16.7M |
| Q3 2025 | 105.56% | 74.56% | $0 | $16.7M |
| Q4 2025 | 100.51% | 84.54% | $3.5M | $9.7M |
| Q1 2026 | 100.53% | 77.47% | $0 | $4.6M |
| Q2 2026 | 103.71% | 76.40% | $4.0M | $4.6M |
Continental Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Continental 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 Continental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57571) · FFIEC NIC profile (RSSD 3220863)