Midwest Regional 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: 100.0% lower than in Q1 2026, at $0. Within Missouri, Midwest Regional Bank is 68th of 192 on loan-to-deposit ratio, 91.23% as of Q2 2026, above the middle of the field. Midwest Regional Bank reported 91.23% on loan-to-deposit ratio for Q2 2026, 10.39 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 | $68.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $113.5M |
| Fed funds sold and reverse repos | $17.7M |
| Fed funds sold and reverse repos to assets | 1.86% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 91.23% |
| Net loans and leases to deposits | 88.92% |
| Loans and leases to core deposits | 105.30% |
| Core deposits to total deposits | 86.64% |
| 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 | 92.80% | 96.75% | $0 | $25.0M |
| Q4 2023 | 100.60% | 96.37% | $449K | $75.0M |
| Q1 2024 | 92.64% | 86.21% | $0 | $23.0M |
| Q2 2024 | 92.10% | 84.77% | $0 | $15.0M |
| Q3 2024 | 92.04% | 83.10% | $0 | $10.0M |
| Q4 2024 | 92.36% | 82.91% | $0 | $10.0M |
| Q1 2025 | 91.84% | 84.75% | $0 | $10.0M |
| Q2 2025 | 93.69% | 82.07% | $0 | $20.0M |
| Q3 2025 | 94.14% | 80.56% | $0 | $20.0M |
| Q4 2025 | 94.04% | 79.49% | $0 | $20.0M |
| Q1 2026 | 93.48% | 84.64% | $0 | $10.0M |
| Q2 2026 | 91.23% | 86.64% | $0 | $0 |
Midwest Regional Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Regional 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 Midwest Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8889) · FFIEC NIC profile (RSSD 691958)