Fortuna 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.
Loans and leases to core deposits dropped 9.60 percentage points in Q2 2026, from 100.74% to 91.14%. It was the largest change from Q1 2026 among the key lines here. Fortuna Bank ranks 113th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 73.13% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Fortuna Bank sits 5.81 points higher, at 73.13% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.6M |
| Fed funds sold and reverse repos | $7.9M |
| Fed funds sold and reverse repos to assets | 13.72% |
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 | 73.13% |
| Net loans and leases to deposits | 72.29% |
| Loans and leases to core deposits | 91.14% |
| Core deposits to total deposits | 80.24% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 7 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 |
|---|---|---|---|---|
| Q4 2024 | 0.00% | 100.00% | $0 | $0 |
| Q1 2025 | 18.30% | 89.03% | $0 | $0 |
| Q2 2025 | 17.73% | 90.31% | $0 | $0 |
| Q3 2025 | 37.84% | 80.92% | $0 | $0 |
| Q4 2025 | 52.92% | 83.49% | $0 | $0 |
| Q1 2026 | 80.92% | 80.32% | $0 | $0 |
| Q2 2026 | 73.13% | 80.24% | $0 | $0 |
Fortuna Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortuna 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 Fortuna Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59330) · FFIEC NIC profile (RSSD 5837377)