Montgomery 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.
Loan-to-deposit ratio climbed 6.23 percentage points in Q2 2026, from 90.67% to 96.90%. It was the largest change from Q1 2026 among the key lines here. Montgomery Bank ranks 33rd of 191 Missouri banks on loan-to-deposit ratio, in the upper half at 96.90% (Q2 2026). Montgomery Bank reported 96.90% on loan-to-deposit ratio for Q2 2026, 8.70 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $85.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.9M |
| 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 | $17.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.50% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.90% |
| Net loans and leases to deposits | 95.89% |
| Loans and leases to core deposits | 101.25% |
| Core deposits to total deposits | 95.71% |
| 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 | 85.42% | 93.76% | $0 | $195.0M |
| Q4 2023 | 92.53% | 96.93% | $0 | $209.0M |
| Q1 2024 | 91.93% | 96.62% | $0 | $80.0M |
| Q2 2024 | 96.72% | 95.95% | $0 | $47.2M |
| Q3 2024 | 96.53% | 93.92% | $0 | $42.9M |
| Q4 2024 | 97.76% | 93.10% | $0 | $29.5M |
| Q1 2025 | 92.30% | 93.03% | $0 | $0 |
| Q2 2025 | 95.61% | 92.82% | $0 | $10.3M |
| Q3 2025 | 97.21% | 93.88% | $0 | $20.9M |
| Q4 2025 | 98.70% | 93.83% | $0 | $24.4M |
| Q1 2026 | 90.67% | 93.99% | $0 | $0 |
| Q2 2026 | 96.90% | 95.71% | $0 | $17.8M |
Montgomery Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Montgomery 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 Montgomery Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8255) · FFIEC NIC profile (RSSD 613558)