The Evangeline Bank and Trust Company: 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 Loans and leases to core deposits: 5.37 percentage points higher than in Q1 2026, at 138.21%. On loan-to-deposit ratio, The Evangeline Bank and Trust Company ranks 5th highest among the 103 banks headquartered in Louisiana, at 104.42% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Evangeline Bank and Trust Company sits 16.21 points higher, at 104.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $155.6M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 0.45% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $55.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.42% |
| Net loans and leases to deposits | 102.96% |
| Loans and leases to core deposits | 138.21% |
| Core deposits to total deposits | 75.55% |
| 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 | 110.53% | 81.33% | $6.0M | $75.5M |
| Q4 2023 | 108.96% | 80.56% | $0 | $75.5M |
| Q1 2024 | 107.68% | 79.60% | $0 | $75.5M |
| Q2 2024 | 106.80% | 76.92% | $0 | $70.5M |
| Q3 2024 | 109.27% | 73.17% | $0 | $70.5M |
| Q4 2024 | 102.55% | 75.58% | $0 | $65.5M |
| Q1 2025 | 104.15% | 75.53% | $0 | $65.5M |
| Q2 2025 | 104.00% | 75.96% | $0 | $65.5M |
| Q3 2025 | 103.69% | 74.67% | $0 | $60.5M |
| Q4 2025 | 100.80% | 75.66% | $0 | $60.5M |
| Q1 2026 | 101.37% | 75.20% | $0 | $55.0M |
| Q2 2026 | 104.42% | 75.55% | $0 | $55.0M |
The Evangeline Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Evangeline Bank and Trust Company, 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 The Evangeline Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12611) · FFIEC NIC profile (RSSD 372538)