Liberty Bank and Trust Company: 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.
Fed funds sold and reverse repos dropped 40.0% in Q2 2026, from $30.2M to $18.1M. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Liberty Bank and Trust Company is 79th of 103 on loan-to-deposit ratio, 64.65% as of Q2 2026, below the middle of the field. Liberty Bank and Trust Company reported 64.65% on loan-to-deposit ratio for Q2 2026, 23.56 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 | $68.1M |
| Cash and noninterest-bearing balances to assets | 4.43% |
| Cash and securities | $415.0M |
| Fed funds sold and reverse repos | $18.1M |
| Fed funds sold and reverse repos to assets | 1.60% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.65% |
| Net loans and leases to deposits | 63.91% |
| Loans and leases to core deposits | 79.38% |
| Core deposits to total deposits | 81.44% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 62.42% | 83.65% | $0 | $20.0M |
| Q4 2023 | 63.54% | 82.88% | $0 | $20.0M |
| Q1 2024 | 64.99% | 83.37% | $0 | $10.0M |
| Q2 2024 | 65.47% | 82.85% | $0 | $10.0M |
| Q3 2024 | 67.74% | 81.92% | $0 | $10.0M |
| Q4 2024 | 67.11% | 81.37% | $0 | $10.0M |
| Q1 2025 | 64.84% | 81.70% | $0 | $10.0M |
| Q2 2025 | 63.98% | 81.06% | $0 | $10.0M |
| Q3 2025 | 63.96% | 80.39% | $0 | $10.0M |
| Q4 2025 | 64.97% | 79.62% | $0 | $10.0M |
| Q1 2026 | 64.98% | 81.41% | $0 | $10.0M |
| Q2 2026 | 64.65% | 81.44% | $0 | $10.0M |
Liberty Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank and Trust Company, 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 Liberty Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20856) · FFIEC NIC profile (RSSD 283438)