Edison National 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: 5.61 percentage points lower than in Q1 2026, at 40.31%. On loan-to-deposit ratio, Edison National Bank is 6th from the bottom among 81 Florida banks, 37.51% (Q2 2026). Against a median of 80.84% for banks in the $100M-1B asset tier, Edison National Bank reported 37.51% on loan-to-deposit ratio in Q2 2026, 43.33 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $182.9M |
| Cash and noninterest-bearing balances to assets | 40.31% |
| Cash and securities | $290.2M |
| 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 | $11.3M |
| 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 | 37.51% |
| Net loans and leases to deposits | 36.99% |
| Loans and leases to core deposits | 38.53% |
| Core deposits to total deposits | 97.36% |
| 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 | 38.52% | 97.76% | $17.8M | $0 |
| Q4 2023 | 38.52% | 97.69% | $16.3M | $0 |
| Q1 2024 | 37.65% | 97.65% | $16.5M | $0 |
| Q2 2024 | 41.31% | 97.86% | $14.0M | $0 |
| Q3 2024 | 42.93% | 97.45% | $12.6M | $0 |
| Q4 2024 | 41.83% | 97.18% | $12.2M | $0 |
| Q1 2025 | 40.50% | 97.42% | $15.3M | $0 |
| Q2 2025 | 41.65% | 97.03% | $14.7M | $0 |
| Q3 2025 | 41.90% | 96.99% | $11.7M | $0 |
| Q4 2025 | 40.69% | 97.11% | $11.4M | $0 |
| Q1 2026 | 35.28% | 97.52% | $12.9M | $0 |
| Q2 2026 | 37.51% | 97.36% | $11.3M | $0 |
Edison National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Edison National 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 Edison National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34489) · FFIEC NIC profile (RSSD 2594419)