Montrose Savings 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 Loans and leases to core deposits: 2.12 percentage points lower than in Q1 2026, at 63.59%. Montrose Savings Bank ranks 170th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 61.44% (Q2 2026). Montrose Savings Bank reported 61.44% on loan-to-deposit ratio for Q2 2026, 6.19 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.9M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 5.68% |
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 | 61.44% |
| Net loans and leases to deposits | 60.43% |
| Loans and leases to core deposits | 63.59% |
| Core deposits to total deposits | 96.61% |
| 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 | 58.76% | 97.93% | $0 | $0 |
| Q4 2023 | 60.55% | 96.79% | $0 | $0 |
| Q1 2024 | 60.47% | 96.26% | $0 | $0 |
| Q2 2024 | 60.08% | 95.69% | $0 | $0 |
| Q3 2024 | 62.03% | 96.17% | $0 | $0 |
| Q4 2024 | 66.81% | 96.69% | $696K | $0 |
| Q1 2025 | 63.00% | 97.40% | $0 | $0 |
| Q2 2025 | 65.64% | 97.41% | $0 | $0 |
| Q3 2025 | 64.44% | 97.52% | $0 | $0 |
| Q4 2025 | 69.67% | 97.28% | $145K | $0 |
| Q1 2026 | 63.43% | 96.53% | $0 | $0 |
| Q2 2026 | 61.44% | 96.61% | $0 | $0 |
Montrose Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Montrose Savings 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 Montrose Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8594) · FFIEC NIC profile (RSSD 753052)