Milestone 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.
Net loans and leases to deposits climbed 2.45 percentage points in Q2 2026, from 99.77% to 102.22%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Milestone Bank is 11th of 44 on loan-to-deposit ratio, 104.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Milestone Bank sits 24.18 points higher, at 104.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.8M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.40% |
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 | 104.73% |
| Net loans and leases to deposits | 102.22% |
| Loans and leases to core deposits | 105.10% |
| Core deposits to total deposits | 17.86% |
| Brokered deposits to total deposits | 81.79% |
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 | 108.59% | 2.94% | $0 | $673K |
| Q4 2023 | 106.02% | 2.74% | $0 | $518K |
| Q1 2024 | 107.80% | 2.87% | $0 | $50K |
| Q2 2024 | 105.34% | 2.91% | $0 | $39K |
| Q3 2024 | 91.45% | 3.48% | $0 | $32K |
| Q4 2024 | 109.51% | 4.22% | $2.5M | $11K |
| Q1 2025 | 111.27% | 5.67% | $0 | $0 |
| Q2 2025 | 110.73% | 6.76% | $0 | $0 |
| Q3 2025 | 111.85% | 6.82% | $0 | $0 |
| Q4 2025 | 107.32% | 11.21% | $0 | $0 |
| Q1 2026 | 102.78% | 15.44% | $0 | $0 |
| Q2 2026 | 104.73% | 17.86% | $0 | $0 |
Milestone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Milestone 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 Milestone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58148) · FFIEC NIC profile (RSSD 3407084)