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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

Liquid assets for Delta Bank, Q2 2026
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

Borrowed funds for Delta Bank, Q2 2026
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

Funding structure for Delta Bank, Q2 2026
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.

Loans to deposits and core funding
Borrowed funds

Liquidity and Borrowings by quarter

Values plotted above, Delta Bank, oldest first
Quarter Loan-to-depositCore deposits shareFed funds purchased and reposOther 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

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Source: 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)