Flatirons 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: 6.88 percentage points higher than in Q1 2026, at 23.14%. Within Colorado, Flatirons Bank is 30th of 63 on loan-to-deposit ratio, 82.92% as of Q2 2026. At 82.92%, Flatirons Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.2M |
| 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 | $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 | 82.92% |
| Net loans and leases to deposits | 81.97% |
| Loans and leases to core deposits | 87.01% |
| Core deposits to total deposits | 72.15% |
| Brokered deposits to total deposits | 23.14% |
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 | 98.88% | 94.38% | $0 | $38.9M |
| Q4 2023 | 95.85% | 90.63% | $0 | $30.3M |
| Q1 2024 | 93.22% | 84.44% | $0 | $22.2M |
| Q2 2024 | 93.21% | 84.52% | $0 | $24.7M |
| Q3 2024 | 94.61% | 85.62% | $0 | $21.7M |
| Q4 2024 | 83.34% | 76.34% | $0 | $0 |
| Q1 2025 | 80.84% | 74.12% | $0 | $0 |
| Q2 2025 | 71.56% | 87.61% | $0 | $0 |
| Q3 2025 | 76.81% | 74.39% | $0 | $0 |
| Q4 2025 | 75.03% | 75.47% | $0 | $0 |
| Q1 2026 | 78.92% | 78.67% | $0 | $0 |
| Q2 2026 | 82.92% | 72.15% | $0 | $0 |
Flatirons Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Flatirons 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 Flatirons Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57280) · FFIEC NIC profile (RSSD 3022610)