Independence 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 Cash and balances due from depository institutions: 79.2% lower than in Q1 2026, at $13.0M. Within Montana, Independence Bank is 9th of 35 on loan-to-deposit ratio, 92.39% as of Q2 2026. Independence Bank reported 92.39% on loan-to-deposit ratio for Q2 2026, 4.19 points above 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 | $13.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $241.8M |
| 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 | $1.1M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.08% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.39% |
| Net loans and leases to deposits | 91.14% |
| Loans and leases to core deposits | 98.57% |
| Core deposits to total deposits | 83.27% |
| Brokered deposits to total deposits | 10.46% |
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 | 82.90% | 83.60% | $3.1M | $0 |
| Q4 2023 | 81.51% | 83.32% | $4.8M | $0 |
| Q1 2024 | 81.70% | 82.48% | $2.9M | $11.5M |
| Q2 2024 | 84.35% | 82.24% | $5.5M | $0 |
| Q3 2024 | 85.67% | 80.14% | $5.4M | $11.0M |
| Q4 2024 | 84.52% | 85.46% | $1.6M | $4.8M |
| Q1 2025 | 83.87% | 83.71% | $1.5M | $4.7M |
| Q2 2025 | 84.11% | 81.88% | $1.2M | $4.6M |
| Q3 2025 | 90.89% | 82.51% | $637K | $11.5M |
| Q4 2025 | 88.86% | 85.88% | $467K | $12.3M |
| Q1 2026 | 88.21% | 84.69% | $1.1M | $10.2M |
| Q2 2026 | 92.39% | 83.27% | $1.1M | $15.0M |
Independence Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence 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 Independence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20989) · FFIEC NIC profile (RSSD 606653)