Lumbee Guaranty 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 Other borrowed money: 275.0% higher than in Q1 2026, at $37.5M. Lumbee Guaranty Bank has the 2nd lowest loan-to-deposit ratio of the 38 banks headquartered in North Carolina, at 49.35% as of Q2 2026. Lumbee Guaranty Bank reported 49.35% on loan-to-deposit ratio for Q2 2026, 31.49 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $307.6M |
| 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 | $37.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.35% |
| Net loans and leases to deposits | 49.10% |
| Loans and leases to core deposits | 53.23% |
| Core deposits to total deposits | 91.70% |
| Brokered deposits to total deposits | 1.02% |
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 | 43.04% | 93.60% | $8.4M | $21K |
| Q4 2023 | 42.02% | 93.71% | $7.5M | $12K |
| Q1 2024 | 42.71% | 91.59% | $9.0M | $0 |
| Q2 2024 | 44.10% | 91.18% | $7.3M | $0 |
| Q3 2024 | 45.55% | 91.16% | $5.4M | $0 |
| Q4 2024 | 46.76% | 89.21% | $5.3M | $0 |
| Q1 2025 | 48.36% | 87.96% | $4.7M | $0 |
| Q2 2025 | 47.98% | 89.58% | $5.0M | $0 |
| Q3 2025 | 46.53% | 88.19% | $0 | $0 |
| Q4 2025 | 46.32% | 91.66% | $0 | $10.0M |
| Q1 2026 | 47.35% | 91.63% | $0 | $10.0M |
| Q2 2026 | 49.35% | 91.70% | $0 | $37.5M |
Lumbee Guaranty Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lumbee Guaranty 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 Lumbee Guaranty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20568) · FFIEC NIC profile (RSSD 651121)