Marion Community 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 Other borrowed money: 85.7% higher than in Q1 2026, at $13.0M. Within Alabama, Marion Community Bank is 41st of 93 on loan-to-deposit ratio, 72.08% 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. Marion Community Bank sits 8.75 points lower, at 72.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | 7.24% |
| Cash and securities | $106.7M |
| 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 | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.08% |
| Net loans and leases to deposits | 71.10% |
| Loans and leases to core deposits | 81.31% |
| Core deposits to total deposits | 88.66% |
| 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 | 59.19% | 83.90% | $0 | $0 |
| Q4 2023 | 58.48% | 84.49% | $0 | $0 |
| Q1 2024 | 60.68% | 84.47% | $0 | $0 |
| Q2 2024 | 61.30% | 82.36% | $0 | $0 |
| Q3 2024 | 60.49% | 82.33% | $0 | $0 |
| Q4 2024 | 61.28% | 84.36% | $0 | $7.0M |
| Q1 2025 | 64.52% | 87.37% | $0 | $7.0M |
| Q2 2025 | 64.79% | 87.11% | $0 | $7.0M |
| Q3 2025 | 69.76% | 86.31% | $0 | $7.0M |
| Q4 2025 | 69.30% | 87.17% | $0 | $7.0M |
| Q1 2026 | 69.61% | 89.77% | $0 | $7.0M |
| Q2 2026 | 72.08% | 88.66% | $0 | $13.0M |
Marion Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion Community 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 Marion Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14184) · FFIEC NIC profile (RSSD 449832)