Mutual Savings and Loan Association: 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.
Loans and leases to core deposits climbed 13.52 percentage points in Q2 2026, from 165.33% to 178.86%. It was the largest change from Q1 2026 among the key lines here. Mutual Savings and Loan Association has the highest loan-to-deposit ratio of the 103 banks headquartered in Louisiana, 161.84% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Mutual Savings and Loan Association reported 161.84% on loan-to-deposit ratio in Q2 2026, 94.21 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $3.9M |
| 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 | $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 | 161.84% |
| Net loans and leases to deposits | 160.85% |
| Loans and leases to core deposits | 178.86% |
| Core deposits to total deposits | 90.48% |
| 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 | 137.69% | 93.24% | $500K | $0 |
| Q4 2023 | 151.95% | 92.48% | $500K | $0 |
| Q1 2024 | 150.40% | 92.41% | $500K | $0 |
| Q2 2024 | 154.82% | 92.00% | $850K | $0 |
| Q3 2024 | 147.35% | 92.13% | $0 | $0 |
| Q4 2024 | 103.12% | 94.41% | $0 | $0 |
| Q1 2025 | 151.38% | 91.71% | $0 | $0 |
| Q2 2025 | 157.90% | 91.31% | $0 | $0 |
| Q3 2025 | 167.33% | 90.79% | $0 | $0 |
| Q4 2025 | 153.88% | 91.30% | $0 | $0 |
| Q1 2026 | 150.96% | 91.31% | $0 | $0 |
| Q2 2026 | 161.84% | 90.48% | $0 | $0 |
Mutual Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Savings and Loan Association, 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 Mutual Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27716) · FFIEC NIC profile (RSSD 809070)