Nano Banc: 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 5.69 percentage points in Q2 2026, from 67.52% to 73.21%. It was the largest change from Q1 2026 among the key lines here. Nano Banc reported 69.81% on loan-to-deposit ratio for Q2 2026, 10.74 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $202.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $242.5M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.21% |
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 | 69.81% |
| Net loans and leases to deposits | 66.91% |
| Loans and leases to core deposits | 73.21% |
| Core deposits to total deposits | 72.58% |
| Brokered deposits to total deposits | 22.79% |
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 | 94.59% | 72.05% | $0 | $25.0M |
| Q4 2023 | 99.70% | 70.27% | $0 | $37.0M |
| Q1 2024 | 88.44% | 72.49% | $0 | $5.0M |
| Q2 2024 | 86.34% | 70.20% | $0 | $5.0M |
| Q3 2024 | 67.50% | 74.52% | $0 | $0 |
| Q4 2024 | 75.91% | 90.39% | $0 | $0 |
| Q1 2025 | 75.38% | 80.93% | $0 | $0 |
| Q2 2025 | 76.16% | 72.65% | $0 | $0 |
| Q3 2025 | 76.95% | 75.91% | $0 | $50.0M |
| Q4 2025 | 73.90% | 73.32% | $0 | $50.0M |
| Q1 2026 | 64.58% | 70.20% | $0 | $0 |
| Q2 2026 | 69.81% | 72.58% | $0 | $0 |
Nano Banc liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Nano Banc, 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 Nano Banc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58590) · FFIEC NIC profile (RSSD 3635029)