Crossroads 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 Cash and balances due from depository institutions: 69.7% higher than in Q1 2026, at $31.6M. Within Indiana, Crossroads Bank is 46th of 87 on loan-to-deposit ratio, 83.13% as of Q2 2026, below the middle of the field. At 83.13%, Crossroads Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $133.3M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.13% |
| Net loans and leases to deposits | 82.03% |
| Loans and leases to core deposits | 87.90% |
| Core deposits to total deposits | 93.66% |
| Brokered deposits to total deposits | 0.92% |
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 | 81.24% | 95.27% | $0 | $6.0M |
| Q4 2023 | 81.47% | 96.86% | $0 | $3.4M |
| Q1 2024 | 82.54% | 96.35% | $0 | $6.5M |
| Q2 2024 | 80.26% | 97.22% | $0 | $0 |
| Q3 2024 | 80.28% | 96.08% | $0 | $0 |
| Q4 2024 | 80.42% | 94.76% | $0 | $0 |
| Q1 2025 | 84.40% | 96.05% | $0 | $17.0M |
| Q2 2025 | 83.74% | 95.80% | $0 | $10.0M |
| Q3 2025 | 88.02% | 95.50% | $0 | $31.8M |
| Q4 2025 | 85.43% | 93.22% | $0 | $14.9M |
| Q1 2026 | 84.37% | 91.98% | $0 | $10.0M |
| Q2 2026 | 83.13% | 93.66% | $0 | $10.0M |
Crossroads Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads 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 Crossroads Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29839) · FFIEC NIC profile (RSSD 228279)