JD 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 balances due from depository institutions dropped 12.9% in Q2 2026, from $81.8M to $71.3M. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, JD Bank is 72nd of 102 on loan-to-deposit ratio, 69.64% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. JD Bank sits 18.57 points lower, at 69.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $71.3M |
| Cash and noninterest-bearing balances to assets | 5.66% |
| Cash and securities | $407.7M |
| 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 | $3K |
| 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 | 69.64% |
| Net loans and leases to deposits | 68.84% |
| Loans and leases to core deposits | 74.42% |
| Core deposits to total deposits | 93.58% |
| 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 | 63.92% | 96.74% | $320K | $30.0M |
| Q4 2023 | 66.53% | 95.92% | $320K | $50.0M |
| Q1 2024 | 69.44% | 95.09% | $91K | $50.0M |
| Q2 2024 | 71.00% | 94.73% | $91K | $50.0M |
| Q3 2024 | 71.59% | 93.99% | $91K | $50.0M |
| Q4 2024 | 70.32% | 94.81% | $91K | $50.0M |
| Q1 2025 | 68.47% | 94.40% | $91K | $0 |
| Q2 2025 | 73.32% | 94.03% | $3K | $43.0M |
| Q3 2025 | 72.67% | 93.65% | $3K | $30.0M |
| Q4 2025 | 68.64% | 94.30% | $3K | $0 |
| Q1 2026 | 68.70% | 93.75% | $3K | $0 |
| Q2 2026 | 69.64% | 93.58% | $3K | $0 |
JD Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock JD 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 JD Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16546) · FFIEC NIC profile (RSSD 980531)