Fidelity 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 5.64 percentage points lower than in Q1 2026, at 5.42%. Fidelity Bank ranks 39th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 86.99% (Q2 2026). At 86.99%, Fidelity Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $383.2M |
| 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 | $111.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.99% |
| Net loans and leases to deposits | 86.20% |
| Loans and leases to core deposits | 94.24% |
| Core deposits to total deposits | 86.89% |
| Brokered deposits to total deposits | 5.42% |
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 | 83.10% | 84.60% | $0 | $120.2M |
| Q4 2023 | 88.16% | 85.45% | $0 | $172.2M |
| Q1 2024 | 92.33% | 85.10% | $0 | $169.5M |
| Q2 2024 | 97.19% | 82.18% | $0 | $218.5M |
| Q3 2024 | 75.73% | 86.58% | $0 | $214.0M |
| Q4 2024 | 86.95% | 83.44% | $0 | $73.5M |
| Q1 2025 | 86.34% | 83.98% | $0 | $61.5M |
| Q2 2025 | 87.25% | 82.98% | $0 | $66.5M |
| Q3 2025 | 85.63% | 81.87% | $0 | $63.4M |
| Q4 2025 | 84.45% | 83.20% | $0 | $78.3M |
| Q1 2026 | 85.19% | 81.88% | $0 | $95.6M |
| Q2 2026 | 86.99% | 86.89% | $0 | $111.2M |
Fidelity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity 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 Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28316) · FFIEC NIC profile (RSSD 255574)