Cross 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: 9.41 percentage points higher than in Q1 2026, at 123.11%. Within Arkansas, Cross Bank is 11th of 78 on loan-to-deposit ratio, 99.48% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Cross Bank sits 18.93 points higher, at 99.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.9M |
| 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 | $8.8M |
| Other borrowed money | $37.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.34% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.48% |
| Net loans and leases to deposits | 97.66% |
| Loans and leases to core deposits | 123.11% |
| Core deposits to total deposits | 62.46% |
| Brokered deposits to total deposits | 18.35% |
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 | 99.75% | 83.63% | $0 | $337K |
| Q4 2023 | 90.56% | 82.98% | $0 | $305K |
| Q1 2024 | 97.97% | 80.58% | $0 | $273K |
| Q2 2024 | 103.03% | 73.96% | $25K | $10.2M |
| Q3 2024 | 106.10% | 75.06% | $0 | $52.7M |
| Q4 2024 | 102.82% | 75.69% | $0 | $61.7M |
| Q1 2025 | 92.18% | 65.51% | $0 | $10.2M |
| Q2 2025 | 93.19% | 63.13% | $0 | $10.2M |
| Q3 2025 | 92.73% | 64.31% | $0 | $145K |
| Q4 2025 | 94.10% | 68.19% | $0 | $25.1M |
| Q1 2026 | 92.02% | 63.27% | $175K | $132K |
| Q2 2026 | 99.48% | 62.46% | $8.8M | $37.6M |
Cross Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cross 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 Cross Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13821) · FFIEC NIC profile (RSSD 989347)