Midwest Bankcentre: 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 31.2% in Q2 2026, from $80.0M to $105.0M. It was the largest change from Q1 2026 among the key lines here. Midwest Bankcentre ranks 34th of 191 Missouri banks on loan-to-deposit ratio, in the upper half at 96.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Midwest Bankcentre sits 8.69 points higher, at 96.89% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $111.5M |
| Cash and noninterest-bearing balances to assets | 3.63% |
| Cash and securities | $447.3M |
| 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 | $10.4M |
| Other borrowed money | $105.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.42% |
| Trading liabilities | $3.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.89% |
| Net loans and leases to deposits | 95.59% |
| Loans and leases to core deposits | 108.82% |
| Core deposits to total deposits | 86.53% |
| Brokered deposits to total deposits | 2.51% |
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 | 95.03% | 89.98% | $17.6M | $95.0M |
| Q4 2023 | 93.35% | 90.01% | $17.0M | $95.0M |
| Q1 2024 | 95.41% | 90.07% | $21.4M | $95.0M |
| Q2 2024 | 93.41% | 89.36% | $25.9M | $95.0M |
| Q3 2024 | 94.70% | 88.79% | $19.0M | $85.0M |
| Q4 2024 | 96.70% | 88.57% | $21.1M | $85.0M |
| Q1 2025 | 96.19% | 88.03% | $17.6M | $90.0M |
| Q2 2025 | 96.71% | 87.41% | $17.2M | $90.0M |
| Q3 2025 | 97.46% | 87.48% | $11.9M | $90.0M |
| Q4 2025 | 98.13% | 87.60% | $15.2M | $90.0M |
| Q1 2026 | 95.44% | 87.51% | $11.6M | $80.0M |
| Q2 2026 | 96.89% | 86.53% | $10.4M | $105.0M |
Midwest Bankcentre liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Bankcentre, 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 Midwest Bankcentre profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1058) · FFIEC NIC profile (RSSD 657459)