Countryside 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.
Loans and leases to core deposits climbed 4.01 percentage points in Q2 2026, from 69.77% to 73.78%. It was the largest change from Q1 2026 among the key lines here. Countryside Bank ranks 111th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 70.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Countryside Bank sits 10.74 points lower, at 70.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.6M |
| Fed funds sold and reverse repos | $300K |
| Fed funds sold and reverse repos to assets | 0.25% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.37% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.21% |
| Net loans and leases to deposits | 69.51% |
| Loans and leases to core deposits | 73.78% |
| Core deposits to total deposits | 95.16% |
| 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 | 65.55% | 96.26% | $0 | $3.1M |
| Q4 2023 | 64.41% | 94.59% | $0 | $3.1M |
| Q1 2024 | 61.46% | 94.94% | $0 | $3.0M |
| Q2 2024 | 64.17% | 94.91% | $0 | $3.0M |
| Q3 2024 | 66.72% | 94.74% | $0 | $3.0M |
| Q4 2024 | 66.81% | 96.35% | $0 | $2.9M |
| Q1 2025 | 61.72% | 95.88% | $0 | $2.9M |
| Q2 2025 | 70.86% | 95.42% | $0 | $2.9M |
| Q3 2025 | 74.89% | 95.67% | $0 | $2.9M |
| Q4 2025 | 71.78% | 95.82% | $0 | $2.8M |
| Q1 2026 | 66.68% | 95.57% | $0 | $2.8M |
| Q2 2026 | 70.21% | 95.16% | $0 | $2.8M |
Countryside Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Countryside 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 Countryside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1438) · FFIEC NIC profile (RSSD 474357)