FBT Bank & Mortgage: 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.
Brokered deposits to total deposits climbed 5.51 percentage points in Q2 2026, from 0.00% to 5.51%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, FBT Bank & Mortgage is 63rd of 78 on loan-to-deposit ratio, 71.20% 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. FBT Bank & Mortgage sits 9.64 points lower, at 71.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.3M |
| 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 | $0 |
| Other borrowed money | $22.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.20% |
| Net loans and leases to deposits | 70.23% |
| Loans and leases to core deposits | 87.48% |
| Core deposits to total deposits | 81.40% |
| Brokered deposits to total deposits | 5.51% |
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 | 60.64% | 79.47% | $0 | $18.0M |
| Q4 2023 | 64.36% | 79.32% | $0 | $18.0M |
| Q1 2024 | 64.63% | 77.79% | $0 | $17.0M |
| Q2 2024 | 63.95% | 79.55% | $0 | $17.0M |
| Q3 2024 | 65.35% | 81.40% | $0 | $15.0M |
| Q4 2024 | 67.09% | 83.04% | $0 | $15.0M |
| Q1 2025 | 65.93% | 81.59% | $0 | $10.0M |
| Q2 2025 | 67.08% | 81.52% | $0 | $17.0M |
| Q3 2025 | 68.43% | 83.89% | $0 | $22.5M |
| Q4 2025 | 70.23% | 85.59% | $0 | $10.0M |
| Q1 2026 | 74.14% | 86.69% | $0 | $22.0M |
| Q2 2026 | 71.20% | 81.40% | $0 | $22.0M |
FBT Bank & Mortgage liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FBT Bank & Mortgage, 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 FBT Bank & Mortgage profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1028) · FFIEC NIC profile (RSSD 314444)