The Liberty Savings Association, FSA: 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.
Loans and leases to core deposits dropped 5.24 percentage points in Q2 2026, from 54.91% to 49.67%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Liberty Savings Association, FSA is 14th from the bottom among 182 Kansas banks, 43.32% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Liberty Savings Association, FSA sits 24.30 points lower, at 43.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.8M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.32% |
| Net loans and leases to deposits | 43.00% |
| Loans and leases to core deposits | 49.67% |
| Core deposits to total deposits | 87.21% |
| 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 | 42.01% | 90.46% | $0 | $0 |
| Q4 2023 | 45.06% | 91.56% | $0 | $0 |
| Q1 2024 | 46.43% | 91.14% | $0 | $0 |
| Q2 2024 | 47.05% | 90.89% | $0 | $0 |
| Q3 2024 | 47.63% | 88.62% | $0 | $0 |
| Q4 2024 | 48.61% | 87.83% | $0 | $0 |
| Q1 2025 | 47.18% | 87.82% | $0 | $0 |
| Q2 2025 | 48.54% | 87.74% | $0 | $0 |
| Q3 2025 | 49.05% | 87.44% | $0 | $0 |
| Q4 2025 | 48.40% | 87.24% | $0 | $0 |
| Q1 2026 | 47.34% | 86.20% | $0 | $0 |
| Q2 2026 | 43.32% | 87.21% | $0 | $0 |
The Liberty Savings Association, FSA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Liberty Savings Association, FSA, 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 The Liberty Savings Association, FSA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29857) · FFIEC NIC profile (RSSD 987576)