Industrial 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: 20.5% higher than in Q1 2026, at $35.1M. Industrial Bank reported 68.39% on loan-to-deposit ratio for Q2 2026, 12.45 points below 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 | $35.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $318.8M |
| 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 | $3.6M |
| Other borrowed money | $50.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.39% |
| Net loans and leases to deposits | 66.26% |
| Loans and leases to core deposits | 72.00% |
| Core deposits to total deposits | 93.20% |
| Brokered deposits to total deposits | 1.79% |
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 | 59.28% | 95.83% | $2.9M | $0 |
| Q4 2023 | 62.04% | 95.47% | $3.4M | $25.0M |
| Q1 2024 | 63.74% | 95.34% | $4.3M | $0 |
| Q2 2024 | 62.12% | 94.88% | $4.1M | $0 |
| Q3 2024 | 61.65% | 92.68% | $3.8M | $0 |
| Q4 2024 | 63.30% | 91.63% | $3.0M | $0 |
| Q1 2025 | 63.23% | 90.71% | $2.8M | $0 |
| Q2 2025 | 65.48% | 92.15% | $5.5M | $0 |
| Q3 2025 | 66.54% | 90.89% | $5.4M | $0 |
| Q4 2025 | 68.21% | 91.33% | $5.3M | $50.0M |
| Q1 2026 | 68.88% | 91.45% | $4.2M | $50.0M |
| Q2 2026 | 68.39% | 93.20% | $3.6M | $50.0M |
Industrial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Industrial 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 Industrial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14679) · FFIEC NIC profile (RSSD 536527)