Millennial 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.
Brokered deposits to total deposits climbed 11.02 percentage points in Q2 2026, from 9.14% to 20.16%. It was the largest change from Q1 2026 among the key lines here. Millennial Bank ranks 13th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 89.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Millennial Bank sits 8.24 points higher, at 89.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.0M |
| 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 | $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 | 89.08% |
| Net loans and leases to deposits | 88.15% |
| Loans and leases to core deposits | 94.56% |
| Core deposits to total deposits | 89.21% |
| Brokered deposits to total deposits | 20.16% |
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 | 75.74% | 79.59% | $0 | $0 |
| Q4 2023 | 86.58% | 78.30% | $0 | $8.0M |
| Q1 2024 | 82.11% | 80.10% | $0 | $0 |
| Q2 2024 | 82.10% | 80.20% | $0 | $0 |
| Q3 2024 | 83.40% | 81.34% | $0 | $0 |
| Q4 2024 | 80.93% | 80.66% | $0 | $0 |
| Q1 2025 | 80.67% | 88.21% | $0 | $0 |
| Q2 2025 | 83.28% | 89.79% | $0 | $0 |
| Q3 2025 | 82.69% | 84.56% | $0 | $0 |
| Q4 2025 | 90.42% | 84.40% | $0 | $8.0M |
| Q1 2026 | 85.39% | 85.76% | $0 | $0 |
| Q2 2026 | 89.08% | 89.21% | $0 | $0 |
Millennial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Millennial 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 Millennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34460) · FFIEC NIC profile (RSSD 2621285)