Inbank: 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.
Other borrowed money climbed 62.9% in Q2 2026, from $35.0M to $57.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Inbank ranks 2nd highest among the 29 banks headquartered in New Mexico, at 84.74% (Q2 2026). Inbank reported 84.74% on loan-to-deposit ratio for Q2 2026, 3.46 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $101.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $358.7M |
| 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 | $14K |
| Other borrowed money | $57.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.22% |
| Trading liabilities | $1.2M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.74% |
| Net loans and leases to deposits | 83.33% |
| Loans and leases to core deposits | 88.56% |
| Core deposits to total deposits | 86.94% |
| Brokered deposits to total deposits | 8.75% |
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 | 86.41% | 91.23% | $8.8M | $88.7M |
| Q4 2023 | 77.81% | 86.47% | $8.1M | $20.0M |
| Q1 2024 | 82.68% | 86.77% | $6.6M | $36.0M |
| Q2 2024 | 85.49% | 85.74% | $6.0M | $56.0M |
| Q3 2024 | 80.85% | 86.46% | $5.8M | $20.0M |
| Q4 2024 | 80.83% | 85.18% | $6.9M | $10.0M |
| Q1 2025 | 76.97% | 86.79% | $6.7M | $10.0M |
| Q2 2025 | 80.99% | 87.16% | $6.8M | $10.0M |
| Q3 2025 | 85.19% | 86.73% | $6.0M | $75.0M |
| Q4 2025 | 85.53% | 85.07% | $443K | $89.0M |
| Q1 2026 | 83.15% | 87.45% | $417K | $35.0M |
| Q2 2026 | 84.74% | 86.94% | $14K | $57.0M |
Inbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Inbank, 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 Inbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11492) · FFIEC NIC profile (RSSD 209858)