First Utah 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 40.5% in Q2 2026, from $52.0M to $73.1M. It was the largest change from Q1 2026 among the key lines here. First Utah Bank ranks 21st of 44 Utah banks on loan-to-deposit ratio, in the upper half at 92.14% (Q2 2026). First Utah Bank reported 92.14% on loan-to-deposit ratio for Q2 2026, 11.30 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $178.6M |
| 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 | $55.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.14% |
| Net loans and leases to deposits | 90.79% |
| Loans and leases to core deposits | 99.46% |
| Core deposits to total deposits | 78.03% |
| Brokered deposits to total deposits | 16.07% |
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 | 86.60% | 83.76% | $0 | $30.0M |
| Q4 2023 | 90.87% | 81.46% | $0 | $47.0M |
| Q1 2024 | 98.24% | 84.27% | $0 | $95.0M |
| Q2 2024 | 89.73% | 82.58% | $0 | $45.0M |
| Q3 2024 | 86.17% | 81.34% | $17.0M | $0 |
| Q4 2024 | 91.70% | 80.61% | $4.0M | $55.0M |
| Q1 2025 | 90.69% | 80.76% | $0 | $35.0M |
| Q2 2025 | 93.27% | 83.09% | $0 | $65.0M |
| Q3 2025 | 91.38% | 79.69% | $0 | $30.0M |
| Q4 2025 | 90.24% | 78.09% | $0 | $20.0M |
| Q1 2026 | 94.48% | 79.00% | $0 | $55.0M |
| Q2 2026 | 92.14% | 78.03% | $0 | $55.0M |
First Utah Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Utah 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 First Utah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22738) · FFIEC NIC profile (RSSD 207872)