Integrity 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.
Loan-to-deposit ratio climbed 1.76 percentage points in Q2 2026, from 34.95% to 36.71%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Integrity Bank is 9th from the bottom among 182 Kansas banks, 36.71% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Integrity Bank sits 30.62 points lower, at 36.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.6M |
| 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 | $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 | 36.71% |
| Net loans and leases to deposits | 36.31% |
| Loans and leases to core deposits | 36.71% |
| Core deposits to total deposits | 100.00% |
| 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 | 45.45% | 100.00% | $0 | $9.7M |
| Q4 2023 | 54.39% | 100.00% | $0 | $13.9M |
| Q1 2024 | 50.69% | 100.00% | $0 | $6.0M |
| Q2 2024 | 39.66% | 100.00% | $0 | $0 |
| Q3 2024 | 41.66% | 100.00% | $0 | $0 |
| Q4 2024 | 39.98% | 100.00% | $0 | $0 |
| Q1 2025 | 37.35% | 100.00% | $0 | $0 |
| Q2 2025 | 40.58% | 100.00% | $0 | $0 |
| Q3 2025 | 40.88% | 100.00% | $0 | $0 |
| Q4 2025 | 40.97% | 100.00% | $0 | $0 |
| Q1 2026 | 34.95% | 100.00% | $0 | $0 |
| Q2 2026 | 36.71% | 100.00% | $0 | $0 |
Integrity Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity 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 Integrity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13450) · FFIEC NIC profile (RSSD 843953)