Intracoastal 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 Other borrowed money: 66.6% lower than in Q1 2026, at $5.0M. Intracoastal Bank ranks 33rd of 81 Florida banks on loan-to-deposit ratio, in the upper half at 78.87% (Q2 2026). At 78.87%, Intracoastal Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $149.3M |
| Fed funds sold and reverse repos | $400K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.87% |
| Net loans and leases to deposits | 77.75% |
| Loans and leases to core deposits | 94.98% |
| Core deposits to total deposits | 77.33% |
| Brokered deposits to total deposits | 6.65% |
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 | 79.00% | 88.20% | $1.0M | $16.0M |
| Q4 2023 | 81.03% | 83.47% | $2.0M | $20.0M |
| Q1 2024 | 80.21% | 72.57% | $0 | $20.0M |
| Q2 2024 | 81.07% | 69.66% | $0 | $15.0M |
| Q3 2024 | 85.14% | 69.51% | $5.7M | $20.0M |
| Q4 2024 | 86.01% | 74.94% | $1.5M | $25.0M |
| Q1 2025 | 83.76% | 76.18% | $0 | $25.0M |
| Q2 2025 | 85.20% | 76.50% | $0 | $25.0M |
| Q3 2025 | 83.13% | 76.30% | $0 | $20.0M |
| Q4 2025 | 88.73% | 75.52% | $0 | $30.0M |
| Q1 2026 | 82.65% | 77.02% | $0 | $15.0M |
| Q2 2026 | 78.87% | 77.33% | $0 | $5.0M |
Intracoastal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Intracoastal 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 Intracoastal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58692) · FFIEC NIC profile (RSSD 3786435)