Desjardins Bank, N.A.: 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: 5.69 percentage points lower than in Q1 2026, at 95.56%. Desjardins Bank, N.A. ranks 18th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 92.32% (Q2 2026). Desjardins Bank, N.A. reported 92.32% on loan-to-deposit ratio for Q2 2026, 11.48 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $69.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.9M |
| 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 | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.32% |
| Net loans and leases to deposits | 91.35% |
| Loans and leases to core deposits | 95.56% |
| Core deposits to total deposits | 96.60% |
| Brokered deposits to total deposits | 0.00% |
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 | 96.25% | 95.01% | $0 | $20.0M |
| Q4 2023 | 101.03% | 95.22% | $0 | $25.0M |
| Q1 2024 | 103.57% | 96.41% | $0 | $30.0M |
| Q2 2024 | 108.20% | 95.72% | $0 | $25.0M |
| Q3 2024 | 102.90% | 95.10% | $0 | $20.0M |
| Q4 2024 | 97.67% | 96.63% | $0 | $15.0M |
| Q1 2025 | 110.06% | 97.70% | $0 | $25.0M |
| Q2 2025 | 104.43% | 97.25% | $0 | $15.0M |
| Q3 2025 | 102.83% | 97.25% | $0 | $10.0M |
| Q4 2025 | 95.06% | 96.73% | $0 | $0 |
| Q1 2026 | 97.48% | 96.28% | $0 | $0 |
| Q2 2026 | 92.32% | 96.60% | $0 | $0 |
Desjardins Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Desjardins Bank, N.A., 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 Desjardins Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33565) · FFIEC NIC profile (RSSD 1940747)