Crews Bank & Trust: 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.
Cash and noninterest-bearing balances to assets dropped 3.98 percentage points in Q2 2026, from 16.14% to 12.16%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Crews Bank & Trust is 59th of 81 on loan-to-deposit ratio, 64.38% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Crews Bank & Trust sits 23.82 points lower, at 64.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $283.8M |
| Cash and noninterest-bearing balances to assets | 12.16% |
| Cash and securities | $981.4M |
| 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 | $2.3M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.38% |
| Net loans and leases to deposits | 63.13% |
| Loans and leases to core deposits | 67.47% |
| Core deposits to total deposits | 95.42% |
| 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 | 58.80% | 98.18% | $2.4M | $154K |
| Q4 2023 | 60.90% | 97.67% | $3.6M | $122K |
| Q1 2024 | 60.15% | 97.04% | $3.6M | $91K |
| Q2 2024 | 61.94% | 96.64% | $4.2M | $59K |
| Q3 2024 | 63.52% | 96.43% | $1.7M | $27K |
| Q4 2024 | 62.54% | 96.29% | $1.3M | $0 |
| Q1 2025 | 60.18% | 96.36% | $2.2M | $0 |
| Q2 2025 | 62.18% | 96.25% | $3.3M | $0 |
| Q3 2025 | 63.31% | 96.08% | $2.3M | $0 |
| Q4 2025 | 61.62% | 96.61% | $3.4M | $0 |
| Q1 2026 | 61.84% | 96.70% | $211K | $0 |
| Q2 2026 | 64.38% | 95.42% | $2.3M | $0 |
Crews Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Crews Bank & Trust, 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 Crews Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8021) · FFIEC NIC profile (RSSD 200435)