McClave State 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.
Other borrowed money climbed 175.0% in Q3 2026, from $2.0M to $5.5M. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, McClave State Bank ranks 4th highest among the 63 banks headquartered in Colorado, at 109.17% (Q3 2026). Against a median of 67.92% for banks in the < $100M asset tier, McClave State Bank reported 109.17% on loan-to-deposit ratio in Q3 2026, 41.24 points higher; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 109.17% |
| Net loans and leases to deposits | 107.92% |
| Loans and leases to core deposits | 134.07% |
| Core deposits to total deposits | 64.94% |
| Brokered deposits to total deposits | 16.48% |
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 |
|---|---|---|---|---|
| Q4 2023 | 105.79% | 72.48% | $0 | $1.0M |
| Q1 2024 | 99.79% | 72.39% | $0 | $1.0M |
| Q2 2024 | 107.61% | 67.25% | $0 | $2.6M |
| Q3 2024 | 106.11% | 63.25% | $0 | $4.5M |
| Q4 2024 | 103.86% | 65.20% | $0 | $4.0M |
| Q1 2025 | 100.62% | 65.50% | $0 | $2.0M |
| Q2 2025 | 106.07% | 63.23% | $0 | $3.1M |
| Q3 2025 | 107.23% | 61.27% | $0 | $4.0M |
| Q4 2025 | 100.03% | 62.33% | $0 | $2.0M |
| Q1 2026 | 99.37% | 66.79% | $0 | $2.0M |
| Q2 2026 | 105.21% | 66.24% | $0 | $2.0M |
| Q3 2026 | 109.17% | 64.94% | $0 | $5.5M |
McClave State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock McClave State 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 McClave State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11261) · FFIEC NIC profile (RSSD 399357)