Local 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.
Loans and leases to core deposits dropped 12.23 percentage points in Q2 2026, from 120.72% to 108.49%. It was the largest change from Q1 2026 among the key lines here. Among 93 Alabama banks, Local Bank sits 7th from the top on loan-to-deposit ratio, 98.74% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Local Bank sits 18.18 points higher, at 98.74% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.1M |
| 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 | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.74% |
| Net loans and leases to deposits | 97.84% |
| Loans and leases to core deposits | 108.49% |
| Core deposits to total deposits | 85.88% |
| Brokered deposits to total deposits | 5.13% |
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 | 91.50% | 88.78% | $0 | $0 |
| Q4 2023 | 98.70% | 88.62% | $0 | $0 |
| Q1 2024 | 97.33% | 85.38% | $0 | $0 |
| Q2 2024 | 94.94% | 91.87% | $0 | $0 |
| Q3 2024 | 98.33% | 92.31% | $0 | $0 |
| Q4 2024 | 103.69% | 89.09% | $0 | $3.0M |
| Q1 2025 | 102.10% | 91.86% | $0 | $4.0M |
| Q2 2025 | 98.26% | 88.75% | $0 | $3.0M |
| Q3 2025 | 88.38% | 90.93% | $0 | $4.6M |
| Q4 2025 | 95.99% | 91.19% | $0 | $4.3M |
| Q1 2026 | 109.84% | 90.99% | $0 | $8.1M |
| Q2 2026 | 98.74% | 85.88% | $0 | $4.0M |
Local Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Local 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 Local Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9614) · FFIEC NIC profile (RSSD 470434)