Exchange 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.
Cash and balances due from depository institutions dropped 18.4% in Q2 2026, from $88.8M to $72.5M. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Exchange Bank & Trust is 119th of 182 on loan-to-deposit ratio, 67.74% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Exchange Bank & Trust sits 12.82 points lower, at 67.74% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $72.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $254.2M |
| 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 | $4.3M |
| 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 | 67.74% |
| Net loans and leases to deposits | 66.76% |
| Loans and leases to core deposits | 74.72% |
| Core deposits to total deposits | 90.66% |
| 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 | 78.31% | 91.23% | $8.0M | $0 |
| Q4 2023 | 75.11% | 91.06% | $7.1M | $0 |
| Q1 2024 | 76.73% | 90.84% | $6.8M | $0 |
| Q2 2024 | 79.50% | 90.13% | $4.2M | $0 |
| Q3 2024 | 79.70% | 89.30% | $3.7M | $0 |
| Q4 2024 | 75.58% | 90.15% | $4.5M | $0 |
| Q1 2025 | 73.11% | 90.08% | $3.6M | $0 |
| Q2 2025 | 75.65% | 90.46% | $3.7M | $0 |
| Q3 2025 | 75.53% | 90.63% | $4.4M | $0 |
| Q4 2025 | 69.53% | 91.19% | $8.6M | $0 |
| Q1 2026 | 67.50% | 90.90% | $4.2M | $0 |
| Q2 2026 | 67.74% | 90.66% | $4.3M | $0 |
Exchange Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4619) · FFIEC NIC profile (RSSD 144052)