Lake City 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.
Other borrowed money climbed 34.1% in Q2 2026, from $58.1M to $77.9M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Lake City Bank is 35th of 87 on loan-to-deposit ratio, 88.01% as of Q2 2026, above the middle of the field. At 88.01%, Lake City Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $192.4M |
| Cash and noninterest-bearing balances to assets | 2.62% |
| Cash and securities | $1.36B |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $77.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.08% |
| Trading liabilities | $14.9M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.01% |
| Net loans and leases to deposits | 86.89% |
| Loans and leases to core deposits | 92.76% |
| Core deposits to total deposits | 90.16% |
| Brokered deposits to total deposits | 4.72% |
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 | 85.96% | 88.97% | $0 | $94.8M |
| Q4 2023 | 85.74% | 90.28% | $0 | $54.7M |
| Q1 2024 | 88.94% | 89.49% | $0 | $204.5M |
| Q2 2024 | 87.62% | 90.14% | $55.0M | $4.4M |
| Q3 2024 | 87.06% | 90.09% | $30.0M | $6.9M |
| Q4 2024 | 86.67% | 92.53% | $0 | $6.8M |
| Q1 2025 | 87.61% | 93.31% | $0 | $114.9M |
| Q2 2025 | 84.62% | 93.87% | $0 | $7.7M |
| Q3 2025 | 87.08% | 93.79% | $0 | $63.4M |
| Q4 2025 | 90.03% | 94.13% | $0 | $178.3M |
| Q1 2026 | 88.42% | 88.37% | $0 | $58.1M |
| Q2 2026 | 88.01% | 90.16% | $0 | $77.9M |
Lake City Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lake City 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 Lake City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13102) · FFIEC NIC profile (RSSD 874845)