MainStreet Community Bank of Florida: 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: 56.3% lower than in Q1 2026, at $22.3M. Within Florida, MainStreet Community Bank of Florida is 28th of 81 on loan-to-deposit ratio, 84.87% 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. MainStreet Community Bank of Florida sits 4.04 points higher, at 84.87% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $182.1M |
| Fed funds sold and reverse repos | $22.3M |
| 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 | $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 | 84.87% |
| Net loans and leases to deposits | 83.84% |
| Loans and leases to core deposits | 89.84% |
| Core deposits to total deposits | 94.07% |
| Brokered deposits to total deposits | 0.40% |
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 | 67.61% | 94.12% | $0 | $0 |
| Q4 2023 | 70.90% | 90.84% | $0 | $0 |
| Q1 2024 | 73.80% | 95.21% | $0 | $16.0M |
| Q2 2024 | 75.62% | 95.96% | $0 | $7.0M |
| Q3 2024 | 78.65% | 95.94% | $0 | $20.0M |
| Q4 2024 | 79.55% | 95.63% | $10.0M | $0 |
| Q1 2025 | 77.93% | 95.57% | $0 | $0 |
| Q2 2025 | 75.95% | 94.91% | $0 | $0 |
| Q3 2025 | 72.65% | 94.55% | $0 | $0 |
| Q4 2025 | 81.53% | 94.23% | $0 | $0 |
| Q1 2026 | 80.81% | 94.18% | $0 | $0 |
| Q2 2026 | 84.87% | 94.07% | $0 | $0 |
MainStreet Community Bank of Florida liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock MainStreet Community Bank of Florida, 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 MainStreet Community Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57598) · FFIEC NIC profile (RSSD 3217957)