High Country 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 37.3% in Q2 2026, from $8.5M to $11.7M. It was the largest change from Q1 2026 among the key lines here. High Country Bank ranks 9th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 98.96% (Q2 2026). High Country Bank reported 98.96% on loan-to-deposit ratio for Q2 2026, 18.12 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 | $11.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.4M |
| 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 | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.96% |
| Net loans and leases to deposits | 97.79% |
| Loans and leases to core deposits | 103.05% |
| Core deposits to total deposits | 96.03% |
| 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 | 91.84% | 98.73% | $0 | $15.5M |
| Q4 2023 | 96.84% | 98.70% | $0 | $30.5M |
| Q1 2024 | 100.55% | 98.35% | $0 | $42.1M |
| Q2 2024 | 101.44% | 97.87% | $0 | $45.4M |
| Q3 2024 | 99.69% | 98.02% | $0 | $40.2M |
| Q4 2024 | 100.71% | 97.97% | $0 | $40.3M |
| Q1 2025 | 98.68% | 97.79% | $0 | $34.5M |
| Q2 2025 | 101.62% | 97.53% | $0 | $44.1M |
| Q3 2025 | 102.11% | 97.17% | $0 | $43.7M |
| Q4 2025 | 102.75% | 96.86% | $0 | $43.6M |
| Q1 2026 | 101.70% | 95.99% | $0 | $34.0M |
| Q2 2026 | 98.96% | 96.03% | $0 | $25.0M |
High Country Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock High Country 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 High Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29783) · FFIEC NIC profile (RSSD 479370)