County 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: 7.32 percentage points higher than in Q1 2026, at 99.90%. Within Missouri, County Bank is 81st of 191 on loan-to-deposit ratio, 87.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. County Bank sits 7.23 points higher, at 87.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.6M |
| 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 | $0 |
| Other borrowed money | $1.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.79% |
| Net loans and leases to deposits | 86.73% |
| Loans and leases to core deposits | 99.90% |
| Core deposits to total deposits | 87.88% |
| 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 | 67.16% | 92.70% | $0 | $312K |
| Q4 2023 | 67.36% | 93.29% | $0 | $0 |
| Q1 2024 | 64.26% | 91.40% | $0 | $0 |
| Q2 2024 | 68.29% | 91.49% | $0 | $0 |
| Q3 2024 | 72.42% | 90.70% | $0 | $0 |
| Q4 2024 | 79.02% | 90.35% | $3.7M | $1.8M |
| Q1 2025 | 73.75% | 90.51% | $0 | $0 |
| Q2 2025 | 74.67% | 91.07% | $0 | $0 |
| Q3 2025 | 76.14% | 90.80% | $0 | $0 |
| Q4 2025 | 85.12% | 90.95% | $0 | $7.5M |
| Q1 2026 | 80.83% | 87.30% | $0 | $0 |
| Q2 2026 | 87.79% | 87.88% | $0 | $1.5M |
County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12220) · FFIEC NIC profile (RSSD 1016848)