Legends 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 Fed funds sold and reverse repos: 98.2% higher than in Q2 2026, at $10.2M. Within Missouri, Legends Bank is 60th of 192 on loan-to-deposit ratio, 92.25% as of Q3 2026, above the middle of the field. Legends Bank reported 92.25% on loan-to-deposit ratio for Q3 2026, 11.41 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $153.3M |
| Fed funds sold and reverse repos | $10.2M |
| Fed funds sold and reverse repos to assets | 1.60% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 92.25% |
| Net loans and leases to deposits | 91.14% |
| Loans and leases to core deposits | 103.13% |
| Core deposits to total deposits | 89.45% |
| 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 | 89.31% | 91.13% | $0 | $4.4M |
| Q1 2024 | 89.33% | 91.27% | $0 | $4.4M |
| Q2 2024 | 88.03% | 91.45% | $0 | $3.4M |
| Q3 2024 | 89.95% | 91.20% | $0 | $3.4M |
| Q4 2024 | 91.53% | 90.52% | $0 | $3.4M |
| Q1 2025 | 89.57% | 91.32% | $0 | $3.4M |
| Q2 2025 | 84.83% | 91.79% | $0 | $640K |
| Q3 2025 | 88.01% | 91.26% | $0 | $640K |
| Q4 2025 | 90.48% | 91.30% | $0 | $640K |
| Q1 2026 | 87.48% | 90.95% | $0 | $1.1M |
| Q2 2026 | 89.22% | 90.65% | $0 | $500K |
| Q3 2026 | 92.25% | 89.45% | $0 | $5.5M |
Legends Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Legends 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 Legends Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12616) · FFIEC NIC profile (RSSD 865151)