Evermore 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 Loans and leases to core deposits: 7.81 percentage points higher than in Q1 2026, at 125.07%. Among 81 Florida banks, Evermore Bank sits 8th from the top on loan-to-deposit ratio, 99.65% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Evermore Bank sits 19.10 points higher, at 99.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.3M |
| 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 | $3.0M |
| 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 | 99.65% |
| Net loans and leases to deposits | 98.52% |
| Loans and leases to core deposits | 125.07% |
| Core deposits to total deposits | 79.68% |
| 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 | 102.82% | 97.05% | $0 | $0 |
| Q4 2023 | 106.10% | 93.95% | $0 | $0 |
| Q1 2024 | 88.19% | 86.19% | $0 | $0 |
| Q2 2024 | 74.28% | 85.18% | $0 | $0 |
| Q3 2024 | 80.34% | 80.63% | $0 | $0 |
| Q4 2024 | 89.82% | 78.71% | $0 | $0 |
| Q1 2025 | 100.55% | 78.59% | $0 | $0 |
| Q2 2025 | 100.98% | 79.92% | $0 | $0 |
| Q3 2025 | 94.10% | 78.75% | $0 | $0 |
| Q4 2025 | 88.13% | 77.87% | $0 | $0 |
| Q1 2026 | 92.13% | 78.57% | $0 | $0 |
| Q2 2026 | 99.65% | 79.68% | $3.0M | $0 |
Evermore Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Evermore 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 Evermore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59306) · FFIEC NIC profile (RSSD 5692473)