Exchange Bank Co.: 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: 5.04 percentage points higher than in Q1 2026, at 72.78%. Within Missouri, Exchange Bank Co. is 160th of 192 on loan-to-deposit ratio, 68.40% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Exchange Bank Co. sits 12.44 points lower, at 68.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $118.5M |
| Fed funds sold and reverse repos | $7.3M |
| Fed funds sold and reverse repos to assets | 2.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.3M |
| 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 | 68.40% |
| Net loans and leases to deposits | 67.40% |
| Loans and leases to core deposits | 72.78% |
| Core deposits to total deposits | 93.97% |
| 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 | 73.67% | 95.69% | $0 | $0 |
| Q4 2023 | 71.42% | 95.97% | $0 | $0 |
| Q1 2024 | 67.77% | 93.79% | $2.5M | $0 |
| Q2 2024 | 72.32% | 92.19% | $2.5M | $0 |
| Q3 2024 | 69.20% | 93.45% | $2.5M | $0 |
| Q4 2024 | 67.97% | 93.15% | $3.2M | $0 |
| Q1 2025 | 67.60% | 93.92% | $1.4M | $0 |
| Q2 2025 | 66.82% | 94.50% | $1.5M | $0 |
| Q3 2025 | 69.58% | 93.56% | $1.2M | $0 |
| Q4 2025 | 67.23% | 93.79% | $1.2M | $0 |
| Q1 2026 | 64.09% | 94.61% | $1.2M | $0 |
| Q2 2026 | 68.40% | 93.97% | $1.3M | $0 |
Exchange Bank Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8274) · FFIEC NIC profile (RSSD 2747466)