Freedom Bank of Southern Missouri: 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 Loans and leases to core deposits: 2.60 percentage points higher than in Q1 2026, at 109.17%. Freedom Bank of Southern Missouri ranks 58th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 92.91% (Q2 2026). Freedom Bank of Southern Missouri reported 92.91% on loan-to-deposit ratio for Q2 2026, 12.07 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 | $45.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $110.4M |
| Fed funds sold and reverse repos | $30.9M |
| Fed funds sold and reverse repos to assets | 3.63% |
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 | 1.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.91% |
| Net loans and leases to deposits | 92.11% |
| Loans and leases to core deposits | 109.17% |
| Core deposits to total deposits | 83.86% |
| Brokered deposits to total deposits | 2.65% |
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 | 84.95% | 90.34% | $0 | $0 |
| Q4 2023 | 87.23% | 88.45% | $0 | $5.0M |
| Q1 2024 | 78.96% | 88.31% | $0 | $0 |
| Q2 2024 | 83.71% | 87.46% | $0 | $0 |
| Q3 2024 | 86.35% | 87.13% | $0 | $0 |
| Q4 2024 | 86.53% | 86.07% | $0 | $0 |
| Q1 2025 | 85.19% | 86.05% | $0 | $0 |
| Q2 2025 | 88.47% | 85.23% | $0 | $0 |
| Q3 2025 | 92.87% | 86.26% | $0 | $15.0M |
| Q4 2025 | 91.30% | 82.92% | $0 | $15.0M |
| Q1 2026 | 90.75% | 83.90% | $0 | $10.0M |
| Q2 2026 | 92.91% | 83.86% | $0 | $10.0M |
Freedom Bank of Southern Missouri liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Freedom Bank of Southern Missouri, 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 of Southern Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35276) · FFIEC NIC profile (RSSD 2835103)