The Dart 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 Fed funds sold and reverse repos: 551.1% higher than in Q1 2026, at $20.1M. The Dart Bank ranks 26th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 91.88% (Q2 2026). The Dart Bank reported 91.88% on loan-to-deposit ratio for Q2 2026, 3.68 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $190.1M |
| Cash and noninterest-bearing balances to assets | 11.55% |
| Cash and securities | $215.4M |
| Fed funds sold and reverse repos | $20.1M |
| Fed funds sold and reverse repos to assets | 1.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $68.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.62% |
| Trading liabilities | $212K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.88% |
| Net loans and leases to deposits | 91.00% |
| Loans and leases to core deposits | 94.73% |
| Core deposits to total deposits | 72.85% |
| Brokered deposits to total deposits | 24.14% |
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 | 99.82% | 61.76% | $25.2M | $43.9M |
| Q4 2023 | 97.57% | 56.19% | $10.0M | $43.9M |
| Q1 2024 | 97.19% | 63.21% | $15.0M | $18.9M |
| Q2 2024 | 97.98% | 65.51% | $64.9M | $18.9M |
| Q3 2024 | 96.33% | 71.04% | $0 | $43.9M |
| Q4 2024 | 96.04% | 70.33% | $25.0M | $18.9M |
| Q1 2025 | 98.36% | 80.14% | $15.0M | $53.0M |
| Q2 2025 | 101.78% | 76.92% | $40.0M | $53.0M |
| Q3 2025 | 99.05% | 84.26% | $0 | $78.0M |
| Q4 2025 | 96.19% | 78.49% | $0 | $73.0M |
| Q1 2026 | 107.60% | 79.70% | $47.7M | $133.0M |
| Q2 2026 | 91.88% | 72.85% | $0 | $68.0M |
The Dart Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Dart 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 The Dart Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5033) · FFIEC NIC profile (RSSD 47247)