The 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.
Cash and balances due from depository institutions climbed 24.6% in Q2 2026, from $461.0M to $574.7M. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, The Fidelity Bank is 32nd of 38 on loan-to-deposit ratio, 70.07% as of Q2 2026, below the middle of the field. The Fidelity Bank reported 70.07% on loan-to-deposit ratio for Q2 2026, 18.13 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $574.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.62B |
| 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 | $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 | 70.07% |
| Net loans and leases to deposits | 69.19% |
| Loans and leases to core deposits | 73.66% |
| Core deposits to total deposits | 95.13% |
| 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 | 67.92% | 96.48% | $0 | $75.0M |
| Q4 2023 | 71.42% | 95.57% | $0 | $92.5M |
| Q1 2024 | 71.24% | 95.18% | $0 | $10.0M |
| Q2 2024 | 70.86% | 95.24% | $0 | $0 |
| Q3 2024 | 70.36% | 95.14% | $0 | $0 |
| Q4 2024 | 72.29% | 95.04% | $0 | $0 |
| Q1 2025 | 70.71% | 95.22% | $0 | $0 |
| Q2 2025 | 71.40% | 95.35% | $0 | $0 |
| Q3 2025 | 69.07% | 95.37% | $0 | $0 |
| Q4 2025 | 72.32% | 95.10% | $0 | $0 |
| Q1 2026 | 71.51% | 95.07% | $0 | $0 |
| Q2 2026 | 70.07% | 95.13% | $0 | $0 |
The Fidelity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11507) · FFIEC NIC profile (RSSD 584920)