Mid-America 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 Fed funds sold and reverse repos: 46.0% lower than in Q1 2026, at $16.5M. On loan-to-deposit ratio, Mid-America Bank ranks 15th highest among the 182 banks headquartered in Kansas, at 100.34% (Q2 2026). Mid-America Bank reported 100.34% on loan-to-deposit ratio for Q2 2026, 19.50 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $80.6M |
| Fed funds sold and reverse repos | $16.5M |
| Fed funds sold and reverse repos to assets | 2.88% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $53.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.34% |
| Net loans and leases to deposits | 99.37% |
| Loans and leases to core deposits | 113.66% |
| Core deposits to total deposits | 84.35% |
| Brokered deposits to total deposits | 3.93% |
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 | 118.06% | 87.00% | $0 | $88.6M |
| Q4 2023 | 120.12% | 86.81% | $0 | $90.8M |
| Q1 2024 | 116.77% | 85.59% | $0 | $90.5M |
| Q2 2024 | 120.44% | 87.01% | $0 | $92.4M |
| Q3 2024 | 113.50% | 86.05% | $0 | $89.0M |
| Q4 2024 | 104.26% | 86.74% | $0 | $68.8M |
| Q1 2025 | 102.51% | 86.50% | $0 | $68.6M |
| Q2 2025 | 101.11% | 86.62% | $0 | $68.5M |
| Q3 2025 | 101.16% | 84.68% | $0 | $60.9M |
| Q4 2025 | 105.57% | 83.74% | $0 | $80.7M |
| Q1 2026 | 101.75% | 86.48% | $0 | $70.6M |
| Q2 2026 | 100.34% | 84.35% | $0 | $53.2M |
Mid-America Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-America 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 Mid-America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17374) · FFIEC NIC profile (RSSD 919456)