I3 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: 4.70 percentage points higher than in Q1 2026, at 84.05%. Within Nebraska, I3 Bank is 65th of 138 on loan-to-deposit ratio, 87.41% as of Q2 2026, above the middle of the field. I3 Bank reported 87.41% on loan-to-deposit ratio for Q2 2026, 6.57 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 | $9.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.4M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.41% |
| Net loans and leases to deposits | 86.18% |
| Loans and leases to core deposits | 90.72% |
| Core deposits to total deposits | 84.05% |
| Brokered deposits to total deposits | 12.30% |
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 | 85.44% | 96.14% | $0 | $6.5M |
| Q4 2023 | 87.61% | 95.42% | $0 | $9.0M |
| Q1 2024 | 90.91% | 92.87% | $0 | $11.5M |
| Q2 2024 | 82.79% | 95.86% | $0 | $10.0M |
| Q3 2024 | 81.55% | 95.54% | $0 | $0 |
| Q4 2024 | 85.68% | 94.59% | $0 | $1.5M |
| Q1 2025 | 81.00% | 90.95% | $0 | $8K |
| Q2 2025 | 81.19% | 91.10% | $0 | $0 |
| Q3 2025 | 91.79% | 90.18% | $0 | $12.5M |
| Q4 2025 | 99.80% | 89.39% | $0 | $26.6M |
| Q1 2026 | 89.77% | 79.35% | $0 | $10.0M |
| Q2 2026 | 87.41% | 84.05% | $0 | $10.0M |
I3 Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock I3 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 I3 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8595) · FFIEC NIC profile (RSSD 348159)