Isabella 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 Loans and leases to core deposits: 3.71 percentage points higher than in Q1 2026, at 92.70%. Isabella Bank ranks 33rd of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 86.16% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Isabella Bank reported 86.16% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.5M |
| Cash and noninterest-bearing balances to assets | 1.91% |
| Cash and securities | $480.8M |
| 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 | $116.0M |
| 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 | 86.16% |
| Net loans and leases to deposits | 85.38% |
| Loans and leases to core deposits | 92.70% |
| Core deposits to total deposits | 92.95% |
| 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 | 74.57% | 94.03% | $52.3M | $65.0M |
| Q4 2023 | 77.15% | 93.33% | $46.8M | $40.0M |
| Q1 2024 | 76.02% | 93.09% | $43.0M | $0 |
| Q2 2024 | 78.80% | 93.09% | $44.2M | $45.0M |
| Q3 2024 | 78.48% | 92.84% | $47.1M | $20.3M |
| Q4 2024 | 79.90% | 92.58% | $53.6M | $30.0M |
| Q1 2025 | 74.71% | 93.09% | $47.3M | $0 |
| Q2 2025 | 74.41% | 93.24% | $43.2M | $0 |
| Q3 2025 | 73.46% | 93.49% | $62.0M | $0 |
| Q4 2025 | 83.04% | 92.55% | $68.0M | $45.0M |
| Q1 2026 | 82.47% | 92.67% | $113.5M | $0 |
| Q2 2026 | 86.16% | 92.95% | $116.0M | $0 |
Isabella Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Isabella 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 Isabella Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1005) · FFIEC NIC profile (RSSD 74140)