Integrity Bank & Trust: 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 Core deposits to total deposits: 2.29 percentage points higher than in Q1 2026, at 88.25%. Within Colorado, Integrity Bank & Trust is 17th of 63 on loan-to-deposit ratio, 93.71% as of Q2 2026, above the middle of the field. Integrity Bank & Trust reported 93.71% on loan-to-deposit ratio for Q2 2026, 12.88 points above 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 | $38.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $91.5M |
| 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 | $44.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.71% |
| Net loans and leases to deposits | 92.63% |
| Loans and leases to core deposits | 94.86% |
| Core deposits to total deposits | 88.25% |
| Brokered deposits to total deposits | 10.54% |
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 | 80.61% | 91.85% | $0 | $15.0M |
| Q4 2023 | 84.00% | 94.30% | $0 | $30.0M |
| Q1 2024 | 84.60% | 93.28% | $0 | $20.0M |
| Q2 2024 | 88.01% | 93.48% | $0 | $20.0M |
| Q3 2024 | 82.97% | 89.57% | $0 | $20.0M |
| Q4 2024 | 80.22% | 81.77% | $0 | $5.0M |
| Q1 2025 | 88.10% | 82.86% | $0 | $15.0M |
| Q2 2025 | 91.17% | 84.01% | $0 | $25.0M |
| Q3 2025 | 95.70% | 86.47% | $0 | $42.5M |
| Q4 2025 | 97.42% | 86.07% | $0 | $44.5M |
| Q1 2026 | 93.46% | 85.96% | $0 | $44.5M |
| Q2 2026 | 93.71% | 88.25% | $0 | $44.5M |
Integrity Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57587) · FFIEC NIC profile (RSSD 3160978)