Idaho Trust 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.
Loans and leases to core deposits dropped 4.70 percentage points in Q2 2026, from 80.14% to 75.44%. It was the largest change from Q1 2026 among the key lines here. Idaho Trust Bank ranks 7th of 10 Idaho banks on loan-to-deposit ratio, in the lower half at 75.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Idaho Trust Bank sits 5.82 points lower, at 75.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $68.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.3M |
| Fed funds sold and reverse repos | $5K |
| 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 | $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 | 75.02% |
| Net loans and leases to deposits | 74.13% |
| Loans and leases to core deposits | 75.44% |
| Core deposits to total deposits | 99.44% |
| 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 | 62.53% | 98.01% | $0 | $0 |
| Q4 2023 | 72.95% | 97.88% | $0 | $0 |
| Q1 2024 | 75.09% | 97.79% | $0 | $28.5M |
| Q2 2024 | 75.20% | 98.19% | $0 | $26.5M |
| Q3 2024 | 74.57% | 98.20% | $0 | $26.5M |
| Q4 2024 | 78.90% | 97.58% | $0 | $0 |
| Q1 2025 | 84.77% | 98.58% | $0 | $0 |
| Q2 2025 | 74.75% | 99.01% | $0 | $0 |
| Q3 2025 | 76.33% | 99.64% | $0 | $0 |
| Q4 2025 | 73.05% | 99.41% | $0 | $0 |
| Q1 2026 | 79.64% | 99.38% | $0 | $0 |
| Q2 2026 | 75.02% | 99.44% | $0 | $0 |
Idaho Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Idaho Trust 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 Idaho Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35103) · FFIEC NIC profile (RSSD 2753917)