Equity 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.
Core deposits to total deposits dropped 2.36 percentage points in Q2 2026, from 85.96% to 83.61%. It was the largest change from Q1 2026 among the key lines here. Equity Bank ranks 55th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 85.42% (Q2 2026). Equity Bank reported 85.42% on loan-to-deposit ratio for Q2 2026, 2.78 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $550.7M |
| Cash and noninterest-bearing balances to assets | 7.13% |
| Cash and securities | $1.78B |
| Fed funds sold and reverse repos | $402K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $42.8M |
| Other borrowed money | $393.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.42% |
| Net loans and leases to deposits | 84.40% |
| Loans and leases to core deposits | 93.28% |
| Core deposits to total deposits | 83.61% |
| Brokered deposits to total deposits | 7.96% |
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 | 79.96% | 91.16% | $39.7M | $269.0M |
| Q4 2023 | 80.09% | 90.59% | $43.6M | $259.3M |
| Q1 2024 | 79.38% | 90.12% | $43.8M | $238.4M |
| Q2 2024 | 79.20% | 90.11% | $38.0M | $274.1M |
| Q3 2024 | 82.05% | 86.43% | $38.2M | $315.7M |
| Q4 2024 | 78.10% | 91.51% | $37.2M | $190.1M |
| Q1 2025 | 80.48% | 86.90% | $36.8M | $246.1M |
| Q2 2025 | 84.13% | 88.89% | $36.4M | $401.0M |
| Q3 2025 | 82.41% | 87.86% | $42.2M | $358.0M |
| Q4 2025 | 81.05% | 89.44% | $39.9M | $310.2M |
| Q1 2026 | 85.85% | 85.96% | $39.0M | $357.3M |
| Q2 2026 | 85.42% | 83.61% | $42.8M | $393.9M |
Equity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Equity 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 Equity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25858) · FFIEC NIC profile (RSSD 139656)