Echelon Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Echelon Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $56.1M in Q3 2026. That is 64.2% of its total assets.
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
Loans and leases to core deposits climbed 16.34 percentage points in Q3 2026, from 18.93% to 35.27%. It was the largest change from Q2 2026 among the key lines here. Echelon Bank has the 3rd lowest loan-to-deposit ratio of the 81 banks headquartered in Florida, at 31.07% as of Q3 2026. Echelon Bank's loan-to-deposit ratio of 31.07% is well below the 68.95% median for banks in the < $100M asset tier, a gap of 37.88 points (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q3 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 |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 31.07% |
| Net loans and leases to deposits | 30.73% |
| Loans and leases to core deposits | 35.27% |
| Core deposits to total deposits | 88.08% |
| Brokered deposits to total deposits | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q2 2026 | 16.16% | 85.35% | $0 | $0 |
| Q3 2026 | 31.07% | 88.08% | $0 | $0 |
Echelon Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. How these pages are built. See the full Echelon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59377) · FFIEC NIC profile (RSSD 6062484)