Ma 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: 100.0% lower than in Q1 2026, at $0. Ma Bank ranks 165th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 64.72% (Q2 2026). Ma Bank reported 64.72% on loan-to-deposit ratio for Q2 2026, 16.12 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 | $17.6M |
| Cash and noninterest-bearing balances to assets | 4.22% |
| Cash and securities | $158.8M |
| 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 | $8.5M |
| Other borrowed money | $3.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.72% |
| Net loans and leases to deposits | 63.81% |
| Loans and leases to core deposits | 73.97% |
| Core deposits to total deposits | 87.50% |
| 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 | 53.76% | 95.38% | $2.2M | $1.6M |
| Q4 2023 | 54.98% | 95.11% | $4.2M | $1.6M |
| Q1 2024 | 56.72% | 94.17% | $0 | $1.6M |
| Q2 2024 | 58.80% | 92.97% | $0 | $3.5M |
| Q3 2024 | 57.33% | 92.20% | $0 | $3.5M |
| Q4 2024 | 56.77% | 90.96% | $0 | $3.4M |
| Q1 2025 | 57.29% | 90.52% | $0 | $3.4M |
| Q2 2025 | 60.25% | 89.83% | $1.1M | $3.3M |
| Q3 2025 | 62.32% | 89.55% | $6.0M | $3.3M |
| Q4 2025 | 60.32% | 88.84% | $0 | $3.3M |
| Q1 2026 | 61.62% | 88.37% | $0 | $3.2M |
| Q2 2026 | 64.72% | 87.50% | $8.5M | $3.2M |
Ma Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ma 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 Ma Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14695) · FFIEC NIC profile (RSSD 34555)