Flatwater 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 Other borrowed money: 345.7% higher than in Q1 2026, at $13.5M. Flatwater Bank ranks 73rd of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 85.91% (Q2 2026). Flatwater Bank reported 85.91% on loan-to-deposit ratio for Q2 2026, 5.08 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 | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.3M |
| 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 | $13.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.91% |
| Net loans and leases to deposits | 84.72% |
| Loans and leases to core deposits | 96.81% |
| Core deposits to total deposits | 65.45% |
| Brokered deposits to total deposits | 23.29% |
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 | 95.28% | 83.04% | $0 | $32.5M |
| Q4 2023 | 90.03% | 73.63% | $0 | $31.0M |
| Q1 2024 | 81.32% | 70.34% | $1.0M | $4.0M |
| Q2 2024 | 82.00% | 69.12% | $0 | $2.5M |
| Q3 2024 | 87.09% | 70.54% | $0 | $12.5M |
| Q4 2024 | 87.43% | 68.06% | $0 | $13.0M |
| Q1 2025 | 84.02% | 71.12% | $0 | $0 |
| Q2 2025 | 93.73% | 70.11% | $0 | $25.0M |
| Q3 2025 | 94.17% | 67.95% | $0 | $23.0M |
| Q4 2025 | 88.18% | 66.38% | $0 | $14.0M |
| Q1 2026 | 82.47% | 67.21% | $0 | $3.0M |
| Q2 2026 | 85.91% | 65.45% | $0 | $13.5M |
Flatwater Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Flatwater 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 Flatwater Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10639) · FFIEC NIC profile (RSSD 493152)