Gateway 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 Core deposits to total deposits: 2.93 percentage points higher than in Q1 2026, at 78.02%. Gateway Bank ranks 12th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 98.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Gateway Bank sits 18.29 points higher, at 98.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.1M |
| Fed funds sold and reverse repos | $13.0M |
| Fed funds sold and reverse repos to assets | 7.20% |
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 | 98.84% |
| Net loans and leases to deposits | 97.69% |
| Loans and leases to core deposits | 113.07% |
| Core deposits to total deposits | 78.02% |
| Brokered deposits to total deposits | 9.40% |
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 | 120.14% | 69.63% | $0 | $15.6M |
| Q4 2023 | 113.41% | 63.93% | $0 | $12.6M |
| Q1 2024 | 109.66% | 60.87% | $0 | $10.0M |
| Q2 2024 | 113.26% | 63.29% | $0 | $10.0M |
| Q3 2024 | 113.75% | 60.88% | $0 | $10.0M |
| Q4 2024 | 110.77% | 61.02% | $0 | $8.0M |
| Q1 2025 | 101.51% | 64.31% | $0 | $4.0M |
| Q2 2025 | 100.03% | 66.41% | $0 | $3.0M |
| Q3 2025 | 102.28% | 71.79% | $0 | $0 |
| Q4 2025 | 101.70% | 72.13% | $0 | $0 |
| Q1 2026 | 98.48% | 75.09% | $0 | $0 |
| Q2 2026 | 98.84% | 78.02% | $0 | $0 |
Gateway Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway 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 Gateway Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8730) · FFIEC NIC profile (RSSD 733540)