DLP 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 Net loans and leases to deposits: 2.35 percentage points higher than in Q1 2026, at 48.31%. DLP Bank ranks 69th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 49.18% (Q2 2026). DLP Bank reported 49.18% on loan-to-deposit ratio for Q2 2026, 31.38 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $118.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $156.0M |
| Fed funds sold and reverse repos | $24.0M |
| Fed funds sold and reverse repos to assets | 7.95% |
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 | 49.18% |
| Net loans and leases to deposits | 48.31% |
| Loans and leases to core deposits | 49.98% |
| Core deposits to total deposits | 98.40% |
| 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 | 37.83% | 98.98% | $0 | $0 |
| Q4 2023 | 45.51% | 98.92% | $0 | $0 |
| Q1 2024 | 46.30% | 98.64% | $0 | $0 |
| Q2 2024 | 42.88% | 98.82% | $0 | $0 |
| Q3 2024 | 48.71% | 98.57% | $0 | $0 |
| Q4 2024 | 56.72% | 95.30% | $0 | $0 |
| Q1 2025 | 56.86% | 94.67% | $0 | $0 |
| Q2 2025 | 52.28% | 98.45% | $0 | $0 |
| Q3 2025 | 51.34% | 98.01% | $0 | $0 |
| Q4 2025 | 47.49% | 98.41% | $0 | $0 |
| Q1 2026 | 47.69% | 98.28% | $0 | $0 |
| Q2 2026 | 49.18% | 98.40% | $0 | $0 |
DLP Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock DLP 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 DLP Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17734) · FFIEC NIC profile (RSSD 853934)