The Jefferson 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.
Loans and leases to core deposits climbed 9.91 percentage points in Q2 2026, from 124.77% to 134.68%. It was the largest change from Q1 2026 among the key lines here. Among 57 Mississippi banks, The Jefferson Bank sits 4th from the top on loan-to-deposit ratio, 93.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Jefferson Bank sits 13.14 points higher, at 93.98% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.3M |
| 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 | 93.98% |
| Net loans and leases to deposits | 89.66% |
| Loans and leases to core deposits | 134.68% |
| Core deposits to total deposits | 55.25% |
| Brokered deposits to total deposits | 14.53% |
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 | 91.42% | 66.73% | $0 | $0 |
| Q4 2023 | 92.50% | 73.39% | $2.5M | $0 |
| Q1 2024 | 89.45% | 65.88% | $0 | $0 |
| Q2 2024 | 90.70% | 58.63% | $0 | $0 |
| Q3 2024 | 92.61% | 56.93% | $0 | $10.0M |
| Q4 2024 | 88.59% | 61.85% | $0 | $0 |
| Q1 2025 | 98.30% | 64.23% | $0 | $0 |
| Q2 2025 | 90.66% | 55.72% | $0 | $0 |
| Q3 2025 | 92.79% | 55.39% | $0 | $0 |
| Q4 2025 | 77.66% | 58.94% | $0 | $0 |
| Q1 2026 | 89.44% | 62.61% | $0 | $0 |
| Q2 2026 | 93.98% | 55.25% | $0 | $0 |
The Jefferson Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Jefferson 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 The Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11445) · FFIEC NIC profile (RSSD 703039)