Nantahala Bank & Trust Company: 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 dropped 1.17 percentage points in Q2 2026, from 75.88% to 74.71%. It was the largest change from Q1 2026 among the key lines here. Nantahala Bank & Trust Company ranks 29th of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 74.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Nantahala Bank & Trust Company sits 6.12 points lower, at 74.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.4M |
| Fed funds sold and reverse repos | $111K |
| Fed funds sold and reverse repos to assets | 0.04% |
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 | 74.71% |
| Net loans and leases to deposits | 73.99% |
| Loans and leases to core deposits | 81.51% |
| Core deposits to total deposits | 91.65% |
| Brokered deposits to total deposits | 0.01% |
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 | 67.88% | 92.04% | $0 | $5.0M |
| Q4 2023 | 74.42% | 90.57% | $0 | $17.0M |
| Q1 2024 | 73.41% | 87.29% | $0 | $12.5M |
| Q2 2024 | 73.46% | 89.83% | $0 | $9.0M |
| Q3 2024 | 72.22% | 91.11% | $0 | $0 |
| Q4 2024 | 77.49% | 94.71% | $0 | $0 |
| Q1 2025 | 77.98% | 95.30% | $0 | $500K |
| Q2 2025 | 78.26% | 94.05% | $0 | $0 |
| Q3 2025 | 75.57% | 93.01% | $0 | $0 |
| Q4 2025 | 77.09% | 92.41% | $0 | $0 |
| Q1 2026 | 75.88% | 92.36% | $0 | $0 |
| Q2 2026 | 74.71% | 91.65% | $0 | $0 |
Nantahala Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Nantahala Bank & Trust Company, 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 Nantahala Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57784) · FFIEC NIC profile (RSSD 3285778)