Midwest Independent Bankersbank: 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.
Fed funds sold and reverse repos climbed 780.1% in Q2 2026, from $2.2M to $19.7M. It was the largest change from Q1 2026 among the key lines here. Midwest Independent Bankersbank ranks 51st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 93.90% (Q2 2026). Midwest Independent Bankersbank reported 93.90% on loan-to-deposit ratio for Q2 2026, 13.06 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 | $62.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.2M |
| Fed funds sold and reverse repos | $19.7M |
| Fed funds sold and reverse repos to assets | 5.77% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $24.0M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.90% |
| Net loans and leases to deposits | 92.07% |
| Loans and leases to core deposits | 93.90% |
| Core deposits to total deposits | 87.05% |
| Brokered deposits to total deposits | 12.95% |
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 | 89.56% | 80.49% | $62.0M | $0 |
| Q4 2023 | 93.29% | 80.04% | $55.0M | $0 |
| Q1 2024 | 83.94% | 82.94% | $19.0M | $0 |
| Q2 2024 | 87.98% | 81.97% | $34.0M | $0 |
| Q3 2024 | 102.09% | 80.45% | $48.0M | $0 |
| Q4 2024 | 100.90% | 81.55% | $60.0M | $0 |
| Q1 2025 | 102.06% | 82.92% | $39.0M | $0 |
| Q2 2025 | 86.26% | 85.77% | $0 | $0 |
| Q3 2025 | 95.36% | 84.53% | $24.0M | $0 |
| Q4 2025 | 96.64% | 85.19% | $29.0M | $0 |
| Q1 2026 | 94.84% | 87.66% | $10.0M | $0 |
| Q2 2026 | 93.90% | 87.05% | $24.0M | $0 |
Midwest Independent Bankersbank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Independent Bankersbank, 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 Independent Bankersbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25849) · FFIEC NIC profile (RSSD 977250)