Delta 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.
Loans and leases to core deposits climbed 5.96 percentage points in Q2 2026, from 95.11% to 101.08%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Delta Bank is 43rd of 103 on loan-to-deposit ratio, 84.99% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Delta Bank sits 4.16 points higher, at 84.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $142.4M |
| 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 | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.99% |
| Net loans and leases to deposits | 84.34% |
| Loans and leases to core deposits | 101.08% |
| Core deposits to total deposits | 78.54% |
| Brokered deposits to total deposits | 5.55% |
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 | 71.68% | 85.13% | $0 | $34K |
| Q4 2023 | 76.41% | 87.84% | $0 | $32K |
| Q1 2024 | 81.30% | 86.93% | $0 | $20.0M |
| Q2 2024 | 87.86% | 83.58% | $0 | $50.2M |
| Q3 2024 | 89.97% | 82.17% | $0 | $56.0M |
| Q4 2024 | 83.33% | 82.75% | $0 | $15.0M |
| Q1 2025 | 80.72% | 79.27% | $0 | $15.0M |
| Q2 2025 | 88.67% | 78.08% | $1.9M | $30.2M |
| Q3 2025 | 83.78% | 77.75% | $0 | $7.9M |
| Q4 2025 | 80.40% | 78.42% | $0 | $5K |
| Q1 2026 | 79.91% | 78.44% | $0 | $1K |
| Q2 2026 | 84.99% | 78.54% | $0 | $10.0M |
Delta Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Delta 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 Delta Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26564) · FFIEC NIC profile (RSSD 975256)