Five Points 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 27.4% in Q2 2026, from $160.3M to $204.2M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Five Points Bank is 113th of 138 on loan-to-deposit ratio, 68.82% as of Q2 2026. Five Points Bank reported 68.82% on loan-to-deposit ratio for Q2 2026, 19.38 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 | $204.2M |
| Cash and noninterest-bearing balances to assets | 9.10% |
| Cash and securities | $757.7M |
| 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 | $24.6M |
| 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 | 68.82% |
| Net loans and leases to deposits | 67.86% |
| Loans and leases to core deposits | 75.13% |
| Core deposits to total deposits | 91.60% |
| 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 | 66.14% | 92.04% | $30.9M | $100.0M |
| Q4 2023 | 63.96% | 91.55% | $23.3M | $100.0M |
| Q1 2024 | 67.62% | 91.28% | $21.9M | $100.0M |
| Q2 2024 | 66.01% | 91.94% | $22.7M | $100.0M |
| Q3 2024 | 65.32% | 92.21% | $23.7M | $0 |
| Q4 2024 | 62.32% | 92.30% | $23.2M | $0 |
| Q1 2025 | 64.20% | 92.16% | $32.3M | $0 |
| Q2 2025 | 66.39% | 91.92% | $31.8M | $0 |
| Q3 2025 | 68.24% | 91.54% | $30.4M | $0 |
| Q4 2025 | 66.05% | 90.95% | $23.2M | $0 |
| Q1 2026 | 68.40% | 90.79% | $26.1M | $0 |
| Q2 2026 | 68.82% | 91.60% | $24.6M | $0 |
Five Points Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Points 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 Five Points Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20488) · FFIEC NIC profile (RSSD 554857)