Manhattan 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 dropped 4.18 percentage points in Q2 2026, from 73.07% to 68.89%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Manhattan Bank is 24th of 35 on loan-to-deposit ratio, 64.35% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Manhattan Bank sits 16.20 points lower, at 64.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.2M |
| 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 | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.79% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.35% |
| Net loans and leases to deposits | 62.98% |
| Loans and leases to core deposits | 68.89% |
| Core deposits to total deposits | 93.42% |
| 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 | 69.31% | 95.15% | $0 | $4.0M |
| Q4 2023 | 76.28% | 95.08% | $0 | $14.5M |
| Q1 2024 | 74.87% | 93.30% | $0 | $10.0M |
| Q2 2024 | 73.24% | 93.10% | $0 | $12.0M |
| Q3 2024 | 76.13% | 94.26% | $0 | $14.0M |
| Q4 2024 | 73.26% | 94.94% | $0 | $14.0M |
| Q1 2025 | 67.85% | 92.85% | $0 | $10.0M |
| Q2 2025 | 69.77% | 92.87% | $0 | $10.0M |
| Q3 2025 | 70.28% | 94.11% | $0 | $10.0M |
| Q4 2025 | 69.97% | 94.33% | $0 | $10.0M |
| Q1 2026 | 68.35% | 93.54% | $0 | $8.0M |
| Q2 2026 | 64.35% | 93.42% | $0 | $8.0M |
Manhattan Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Manhattan 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 Manhattan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11823) · FFIEC NIC profile (RSSD 614751)