Lead 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 Core deposits to total deposits: 1.60 percentage points higher than in Q1 2026, at 88.00%. On loan-to-deposit ratio, Lead Bank is 13th from the bottom among 191 Missouri banks, 46.11% (Q2 2026). Lead Bank reported 46.11% on loan-to-deposit ratio for Q2 2026, 42.09 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $961.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.23B |
| 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 | $655K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.11% |
| Net loans and leases to deposits | 45.05% |
| Loans and leases to core deposits | 46.11% |
| Core deposits to total deposits | 88.00% |
| Brokered deposits to total deposits | 14.86% |
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 | 83.62% | 71.84% | $0 | $0 |
| Q4 2023 | 90.46% | 71.59% | $0 | $10.5M |
| Q1 2024 | 78.30% | 70.24% | $0 | $4.7M |
| Q2 2024 | 82.38% | 67.81% | $0 | $14.7M |
| Q3 2024 | 75.73% | 62.98% | $0 | $4.6M |
| Q4 2024 | 55.10% | 75.58% | $0 | $655K |
| Q1 2025 | 52.49% | 79.90% | $0 | $655K |
| Q2 2025 | 58.74% | 79.31% | $0 | $655K |
| Q3 2025 | 53.01% | 82.27% | $0 | $655K |
| Q4 2025 | 45.97% | 86.39% | $0 | $655K |
| Q1 2026 | 45.78% | 86.39% | $0 | $655K |
| Q2 2026 | 46.11% | 88.00% | $0 | $655K |
Lead Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lead 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 Lead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8283) · FFIEC NIC profile (RSSD 893855)