Founders 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: 6.13 percentage points higher than in Q1 2026, at 17.90%. Founders Bank reported 100.40% on loan-to-deposit ratio for Q2 2026, 19.84 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.1M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.40% |
| Net loans and leases to deposits | 99.58% |
| Loans and leases to core deposits | 106.00% |
| Core deposits to total deposits | 78.41% |
| Brokered deposits to total deposits | 17.90% |
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 | 102.43% | 82.57% | $0 | $15.0M |
| Q4 2023 | 104.04% | 77.64% | $0 | $13.5M |
| Q1 2024 | 98.67% | 79.63% | $0 | $15.0M |
| Q2 2024 | 103.42% | 84.04% | $0 | $15.0M |
| Q3 2024 | 102.66% | 84.18% | $0 | $15.0M |
| Q4 2024 | 103.20% | 83.62% | $0 | $13.5M |
| Q1 2025 | 102.93% | 79.67% | $0 | $10.0M |
| Q2 2025 | 104.00% | 80.18% | $0 | $10.0M |
| Q3 2025 | 98.03% | 82.32% | $0 | $5.0M |
| Q4 2025 | 104.56% | 81.77% | $0 | $5.0M |
| Q1 2026 | 102.41% | 84.51% | $0 | $10.0M |
| Q2 2026 | 100.40% | 78.41% | $0 | $10.0M |
Founders Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Founders 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 Founders Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59193) · FFIEC NIC profile (RSSD 5398355)