County National 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: 7.95 percentage points higher than in Q1 2026, at 108.36%. Among 72 Michigan banks, County National Bank sits 5th from the top on loan-to-deposit ratio, 103.06% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. County National Bank sits 14.86 points higher, at 103.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $185.9M |
| 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 | $25.8M |
| Other borrowed money | $95.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.06% |
| Net loans and leases to deposits | 101.92% |
| Loans and leases to core deposits | 108.36% |
| Core deposits to total deposits | 89.04% |
| Brokered deposits to total deposits | 6.08% |
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 | 85.22% | 95.58% | $0 | $0 |
| Q4 2023 | 90.03% | 95.54% | $0 | $50.0M |
| Q1 2024 | 90.84% | 94.49% | $0 | $50.0M |
| Q2 2024 | 97.78% | 94.35% | $0 | $84.0M |
| Q3 2024 | 100.38% | 93.48% | $28.5M | $62.5M |
| Q4 2024 | 95.27% | 92.18% | $0 | $62.5M |
| Q1 2025 | 93.56% | 91.79% | $0 | $50.0M |
| Q2 2025 | 96.99% | 91.88% | $0 | $50.0M |
| Q3 2025 | 96.55% | 89.82% | $0 | $65.6M |
| Q4 2025 | 97.92% | 89.96% | $0 | $65.6M |
| Q1 2026 | 97.47% | 88.61% | $0 | $65.6M |
| Q2 2026 | 103.06% | 89.04% | $25.8M | $95.7M |
County National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock County National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14073) · FFIEC NIC profile (RSSD 682143)