Johnson State 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 Q3 2026 was in Loans and leases to core deposits: 5.06 percentage points higher than in Q2 2026, at 68.99%. Johnson State Bank ranks 163rd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 48.35% (Q3 2026). Johnson State Bank reported 48.35% on loan-to-deposit ratio for Q3 2026, 19.58 points below the 67.92% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.3M |
| Fed funds sold and reverse repos | $7.3M |
| Fed funds sold and reverse repos to assets | 7.77% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 48.35% |
| Net loans and leases to deposits | 46.59% |
| Loans and leases to core deposits | 68.99% |
| Core deposits to total deposits | 70.08% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 42.47% | 89.37% | $950K | $3.3M |
| Q1 2024 | 39.49% | 82.39% | $0 | $3.2M |
| Q2 2024 | 46.00% | 80.61% | $0 | $3.1M |
| Q3 2024 | 43.84% | 80.46% | $0 | $3.1M |
| Q4 2024 | 39.33% | 75.90% | $0 | $3.0M |
| Q1 2025 | 42.29% | 77.53% | $0 | $3.0M |
| Q2 2025 | 49.17% | 77.23% | $940K | $3.0M |
| Q3 2025 | 48.99% | 77.49% | $0 | $2.9M |
| Q4 2025 | 44.53% | 78.24% | $0 | $2.9M |
| Q1 2026 | 39.22% | 72.79% | $0 | $2.8M |
| Q2 2026 | 44.28% | 69.27% | $0 | $2.7M |
| Q3 2026 | 48.35% | 70.08% | $0 | $2.6M |
Johnson State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Johnson State 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 Johnson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15237) · FFIEC NIC profile (RSSD 235950)