Main 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 climbed 8.55 percentage points in Q2 2026, from 92.96% to 101.51%. It was the largest change from Q1 2026 among the key lines here. Main Bank has the highest loan-to-deposit ratio of the 29 banks headquartered in New Mexico, 92.30% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Main Bank sits 11.46 points higher, at 92.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.1M |
| Fed funds sold and reverse repos | $6.3M |
| Fed funds sold and reverse repos to assets | 2.56% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.30% |
| Net loans and leases to deposits | 90.85% |
| Loans and leases to core deposits | 101.51% |
| Core deposits to total deposits | 88.56% |
| Brokered deposits to total deposits | 2.36% |
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 | 98.47% | 92.55% | $0 | $25.0M |
| Q4 2023 | 96.21% | 92.28% | $0 | $25.0M |
| Q1 2024 | 92.24% | 91.75% | $0 | $25.0M |
| Q2 2024 | 94.00% | 89.00% | $0 | $25.0M |
| Q3 2024 | 94.43% | 87.80% | $0 | $27.4M |
| Q4 2024 | 96.55% | 87.43% | $0 | $27.4M |
| Q1 2025 | 96.53% | 87.57% | $0 | $12.4M |
| Q2 2025 | 96.31% | 80.88% | $0 | $12.4M |
| Q3 2025 | 82.86% | 87.57% | $0 | $6.0M |
| Q4 2025 | 89.74% | 85.70% | $0 | $6.0M |
| Q1 2026 | 84.40% | 86.27% | $0 | $3.5M |
| Q2 2026 | 92.30% | 88.56% | $0 | $3.5M |
Main Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Main 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 Main Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22086) · FFIEC NIC profile (RSSD 430054)