Exchange 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.
Cash and balances due from depository institutions climbed 105.7% in Q2 2026, from $7.2M to $14.9M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Exchange Bank is 58th of 138 on loan-to-deposit ratio, 89.28% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Exchange Bank reported 89.28% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.9M |
| Cash and noninterest-bearing balances to assets | 0.57% |
| Cash and securities | $421.9M |
| Fed funds sold and reverse repos | $5.9M |
| Fed funds sold and reverse repos to assets | 0.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $172.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.93% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.28% |
| Net loans and leases to deposits | 88.04% |
| Loans and leases to core deposits | 117.03% |
| Core deposits to total deposits | 75.28% |
| Brokered deposits to total deposits | 12.79% |
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 | 94.24% | 75.78% | $2.7M | $192.1M |
| Q4 2023 | 95.29% | 74.02% | $0 | $212.5M |
| Q1 2024 | 89.93% | 72.72% | $0 | $116.3M |
| Q2 2024 | 89.65% | 73.01% | $0 | $136.5M |
| Q3 2024 | 87.48% | 72.36% | $1.4M | $119.7M |
| Q4 2024 | 85.25% | 71.89% | $0 | $135.6M |
| Q1 2025 | 88.71% | 72.55% | $8.1M | $171.5M |
| Q2 2025 | 89.96% | 72.31% | $0 | $188.3M |
| Q3 2025 | 89.88% | 73.24% | $830K | $182.3M |
| Q4 2025 | 90.06% | 72.56% | $0 | $197.0M |
| Q1 2026 | 88.80% | 74.45% | $0 | $179.9M |
| Q2 2026 | 89.28% | 75.28% | $0 | $172.2M |
Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1435) · FFIEC NIC profile (RSSD 492650)