Lyons Federal 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 Fed funds sold and reverse repos to assets: 1.90 percentage points higher than in Q1 2026, at 2.34%. Within Kansas, Lyons Federal Bank is 48th of 182 on loan-to-deposit ratio, 87.54% 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. Lyons Federal Bank sits 6.70 points higher, at 87.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.7M |
| Fed funds sold and reverse repos | $4.6M |
| Fed funds sold and reverse repos to assets | 2.34% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.54% |
| Net loans and leases to deposits | 86.42% |
| Loans and leases to core deposits | 106.73% |
| Core deposits to total deposits | 82.02% |
| Brokered deposits to total deposits | 2.77% |
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 | 82.96% | 83.57% | $0 | $2.2M |
| Q4 2023 | 73.88% | 84.52% | $0 | $2.2M |
| Q1 2024 | 80.61% | 82.33% | $0 | $2.1M |
| Q2 2024 | 85.62% | 84.33% | $0 | $3.6M |
| Q3 2024 | 89.91% | 81.92% | $0 | $5.5M |
| Q4 2024 | 77.35% | 84.99% | $0 | $2.1M |
| Q1 2025 | 86.92% | 84.40% | $0 | $2.0M |
| Q2 2025 | 88.86% | 82.54% | $0 | $3.2M |
| Q3 2025 | 87.69% | 81.88% | $0 | $1.7M |
| Q4 2025 | 78.54% | 82.37% | $0 | $1.7M |
| Q1 2026 | 88.36% | 82.84% | $0 | $1.6M |
| Q2 2026 | 87.54% | 82.02% | $0 | $1.6M |
Lyons Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lyons Federal 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 Lyons Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27727) · FFIEC NIC profile (RSSD 901974)