Locality 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 Loans and leases to core deposits: 10.40 percentage points lower than in Q1 2026, at 93.03%. Within Florida, Locality Bank is 22nd of 81 on loan-to-deposit ratio, 90.62% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Locality Bank sits 9.78 points higher, at 90.62% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $65.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.7M |
| 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 | 90.62% |
| Net loans and leases to deposits | 89.15% |
| Loans and leases to core deposits | 93.03% |
| Core deposits to total deposits | 84.34% |
| Brokered deposits to total deposits | 13.07% |
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 | 87.84% | 91.28% | $0 | $0 |
| Q4 2023 | 82.35% | 92.58% | $0 | $0 |
| Q1 2024 | 81.98% | 94.24% | $0 | $0 |
| Q2 2024 | 83.77% | 91.90% | $0 | $2.0M |
| Q3 2024 | 88.18% | 80.22% | $0 | $0 |
| Q4 2024 | 85.91% | 83.17% | $0 | $5.0M |
| Q1 2025 | 92.35% | 81.63% | $0 | $0 |
| Q2 2025 | 93.23% | 84.07% | $0 | $8.0M |
| Q3 2025 | 81.78% | 86.15% | $0 | $5.0M |
| Q4 2025 | 92.13% | 85.05% | $0 | $0 |
| Q1 2026 | 99.39% | 86.09% | $0 | $14.0M |
| Q2 2026 | 90.62% | 84.34% | $0 | $0 |
Locality Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Locality 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 Locality Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59278) · FFIEC NIC profile (RSSD 5673191)