Mutual Savings 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.
The standout move of Q2 2026 was in Net loans and leases to deposits: 2.86 percentage points higher than in Q1 2026, at 107.24%. Among 182 Kansas banks, Mutual Savings Association sits 9th from the top on loan-to-deposit ratio, 108.34% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Mutual Savings Association sits 27.79 points higher, at 108.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $89.3M |
| Fed funds sold and reverse repos | $208K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $47.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.34% |
| Net loans and leases to deposits | 107.24% |
| Loans and leases to core deposits | 122.33% |
| Core deposits to total deposits | 81.90% |
| Brokered deposits to total deposits | 6.66% |
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 | 91.57% | 84.46% | $0 | $37.2M |
| Q4 2023 | 94.79% | 83.59% | $0 | $43.7M |
| Q1 2024 | 87.35% | 78.89% | $0 | $30.0M |
| Q2 2024 | 92.54% | 79.75% | $0 | $27.4M |
| Q3 2024 | 91.79% | 79.60% | $0 | $22.8M |
| Q4 2024 | 94.65% | 80.56% | $0 | $31.6M |
| Q1 2025 | 96.19% | 81.32% | $0 | $34.2M |
| Q2 2025 | 99.80% | 82.02% | $0 | $40.8M |
| Q3 2025 | 102.12% | 81.37% | $0 | $40.2M |
| Q4 2025 | 109.87% | 81.22% | $0 | $58.5M |
| Q1 2026 | 105.48% | 80.71% | $0 | $43.6M |
| Q2 2026 | 108.34% | 81.90% | $0 | $47.1M |
Mutual Savings 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 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 Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29988) · FFIEC NIC profile (RSSD 636276)