Investors Community 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: 17.5% lower than in Q1 2026, at $4.7M. Within Missouri, Investors Community Bank is 172nd of 192 on loan-to-deposit ratio, 59.32% as of Q2 2026, below the middle of the field. Investors Community Bank reported 59.32% on loan-to-deposit ratio for Q2 2026, 8.30 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.6M |
| 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 | $12K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.32% |
| Net loans and leases to deposits | 58.52% |
| Loans and leases to core deposits | 61.68% |
| Core deposits to total deposits | 96.17% |
| 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 | 47.42% | 93.69% | $0 | $4.7M |
| Q4 2023 | 43.87% | 96.62% | $0 | $0 |
| Q1 2024 | 51.13% | 85.21% | $0 | $3.6M |
| Q2 2024 | 53.94% | 86.28% | $0 | $7.9M |
| Q3 2024 | 56.96% | 90.84% | $0 | $7.6M |
| Q4 2024 | 53.80% | 87.29% | $0 | $3.4M |
| Q1 2025 | 54.31% | 90.64% | $0 | $0 |
| Q2 2025 | 60.70% | 93.92% | $0 | $8.6M |
| Q3 2025 | 45.17% | 95.59% | $0 | $0 |
| Q4 2025 | 52.96% | 95.18% | $0 | $0 |
| Q1 2026 | 59.34% | 96.00% | $0 | $0 |
| Q2 2026 | 59.32% | 96.17% | $0 | $12K |
Investors Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Investors Community 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 Investors Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29093) · FFIEC NIC profile (RSSD 809379)