Eastern Michigan 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 Cash and noninterest-bearing balances to assets: 0.77 percentage points higher than in Q1 2026, at 20.07%. Eastern Michigan Bank has the 4th lowest loan-to-deposit ratio of the 72 banks headquartered in Michigan, at 42.83% as of Q2 2026. Eastern Michigan Bank reported 42.83% on loan-to-deposit ratio for Q2 2026, 38.01 points below 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 | $111.4M |
| Cash and noninterest-bearing balances to assets | 20.07% |
| Cash and securities | $290.4M |
| Fed funds sold and reverse repos | $307K |
| Fed funds sold and reverse repos to assets | 0.06% |
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 | 42.83% |
| Net loans and leases to deposits | 42.33% |
| Loans and leases to core deposits | 42.90% |
| Core deposits to total deposits | 99.83% |
| 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 | 40.22% | 99.26% | $0 | $0 |
| Q4 2023 | 42.62% | 99.34% | $0 | $0 |
| Q1 2024 | 44.95% | 99.52% | $0 | $50.0M |
| Q2 2024 | 48.00% | 99.46% | $0 | $50.0M |
| Q3 2024 | 44.23% | 99.50% | $0 | $0 |
| Q4 2024 | 46.71% | 99.47% | $0 | $0 |
| Q1 2025 | 43.88% | 99.57% | $0 | $0 |
| Q2 2025 | 46.22% | 99.77% | $0 | $0 |
| Q3 2025 | 41.22% | 99.79% | $0 | $0 |
| Q4 2025 | 42.85% | 99.78% | $0 | $0 |
| Q1 2026 | 42.13% | 99.78% | $0 | $0 |
| Q2 2026 | 42.83% | 99.83% | $0 | $0 |
Eastern Michigan Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern Michigan 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 Eastern Michigan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 982) · FFIEC NIC profile (RSSD 643340)