International Finance 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.
Cash and noninterest-bearing balances to assets dropped 1.15 percentage points in Q2 2026, from 13.61% to 12.46%. It was the largest change from Q1 2026 among the key lines here. International Finance Bank ranks 19th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 91.59% (Q2 2026). International Finance Bank reported 91.59% on loan-to-deposit ratio for Q2 2026, 3.39 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 | $201.5M |
| Cash and noninterest-bearing balances to assets | 12.46% |
| Cash and securities | $261.6M |
| 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 | 91.59% |
| Net loans and leases to deposits | 90.45% |
| Loans and leases to core deposits | 104.67% |
| Core deposits to total deposits | 87.51% |
| Brokered deposits to total deposits | 3.94% |
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 | 95.56% | 91.18% | $0 | $0 |
| Q4 2023 | 92.67% | 88.98% | $0 | $0 |
| Q1 2024 | 91.44% | 88.80% | $0 | $0 |
| Q2 2024 | 94.58% | 88.30% | $0 | $0 |
| Q3 2024 | 94.90% | 89.05% | $0 | $0 |
| Q4 2024 | 95.82% | 88.54% | $0 | $20.0M |
| Q1 2025 | 89.30% | 88.49% | $0 | $0 |
| Q2 2025 | 90.85% | 88.86% | $0 | $0 |
| Q3 2025 | 93.28% | 87.15% | $0 | $12.0M |
| Q4 2025 | 86.74% | 85.88% | $0 | $0 |
| Q1 2026 | 90.96% | 86.75% | $0 | $0 |
| Q2 2026 | 91.59% | 87.51% | $0 | $0 |
International Finance Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock International Finance 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 International Finance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24823) · FFIEC NIC profile (RSSD 867632)