Evolve Bank & Trust: 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.
Net loans and leases to deposits climbed 1.83 percentage points in Q2 2026, from 88.74% to 90.57%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Evolve Bank & Trust is 26th of 78 on loan-to-deposit ratio, 91.73% as of Q2 2026. Evolve Bank & Trust reported 91.73% on loan-to-deposit ratio for Q2 2026, 3.53 points above 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 | $132.0M |
| Cash and noninterest-bearing balances to assets | 11.11% |
| Cash and securities | $235.2M |
| 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 | $0 |
| 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 | 91.73% |
| Net loans and leases to deposits | 90.57% |
| Loans and leases to core deposits | 92.76% |
| Core deposits to total deposits | 68.27% |
| Brokered deposits to total deposits | 32.36% |
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 | 78.92% | 68.27% | $0 | $30.0M |
| Q4 2023 | 105.60% | 82.42% | $0 | $230.0M |
| Q1 2024 | 94.44% | 77.61% | $0 | $215.0M |
| Q2 2024 | 89.91% | 89.17% | $0 | $315.0M |
| Q3 2024 | 89.31% | 75.79% | $0 | $265.0M |
| Q4 2024 | 78.13% | 73.95% | $0 | $265.0M |
| Q1 2025 | 81.77% | 89.11% | $0 | $190.0M |
| Q2 2025 | 83.33% | 75.58% | $0 | $125.0M |
| Q3 2025 | 88.10% | 66.24% | $0 | $100.0M |
| Q4 2025 | 82.89% | 67.74% | $0 | $0 |
| Q1 2026 | 90.03% | 68.35% | $0 | $0 |
| Q2 2026 | 91.73% | 68.27% | $0 | $0 |
Evolve Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Evolve Bank & Trust, 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 Evolve Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1299) · FFIEC NIC profile (RSSD 592448)