Freedom 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 20.3% in Q2 2026, from $24.8M to $29.8M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Freedom Bank is 10th of 87 on loan-to-deposit ratio, 99.38% as of Q2 2026, above the middle of the field. Freedom Bank reported 99.38% on loan-to-deposit ratio for Q2 2026, 18.54 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 | $29.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.9M |
| 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 | $9.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.38% |
| Net loans and leases to deposits | 97.92% |
| Loans and leases to core deposits | 111.61% |
| Core deposits to total deposits | 89.04% |
| 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 | 99.81% | 88.48% | $0 | $54.0M |
| Q4 2023 | 100.70% | 86.87% | $0 | $57.0M |
| Q1 2024 | 98.07% | 87.31% | $0 | $45.0M |
| Q2 2024 | 98.23% | 86.15% | $0 | $29.0M |
| Q3 2024 | 99.15% | 86.33% | $0 | $12.3M |
| Q4 2024 | 100.63% | 86.11% | $0 | $16.0M |
| Q1 2025 | 98.79% | 88.43% | $0 | $11.0M |
| Q2 2025 | 100.95% | 88.49% | $0 | $11.0M |
| Q3 2025 | 99.27% | 88.55% | $0 | $9.0M |
| Q4 2025 | 101.72% | 88.43% | $0 | $14.0M |
| Q1 2026 | 99.56% | 89.13% | $0 | $9.0M |
| Q2 2026 | 99.38% | 89.04% | $0 | $9.0M |
Freedom Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35221) · FFIEC NIC profile (RSSD 2858492)