The National Bank of Indianapolis: 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.
Other borrowed money climbed 3732.2% in Q2 2026, from $2.7M to $102.6M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The National Bank of Indianapolis is 51st of 87 on loan-to-deposit ratio, 80.36% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The National Bank of Indianapolis sits 7.84 points lower, at 80.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $229.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $753.2M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 0.13% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $102.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.38% |
| Trading liabilities | $2.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.36% |
| Net loans and leases to deposits | 79.39% |
| Loans and leases to core deposits | 81.90% |
| Core deposits to total deposits | 98.13% |
| 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 | 66.12% | 97.87% | $65.2M | $1.7M |
| Q4 2023 | 65.19% | 97.85% | $18.2M | $1.5M |
| Q1 2024 | 64.84% | 97.30% | $20.0M | $1.4M |
| Q2 2024 | 66.88% | 97.17% | $15.6M | $2.1M |
| Q3 2024 | 63.24% | 97.25% | $946K | $2.0M |
| Q4 2024 | 66.46% | 97.41% | $0 | $1.9M |
| Q1 2025 | 62.41% | 97.65% | $0 | $1.8M |
| Q2 2025 | 70.17% | 97.39% | $0 | $3.0M |
| Q3 2025 | 71.47% | 97.46% | $0 | $2.9M |
| Q4 2025 | 71.22% | 97.65% | $0 | $2.8M |
| Q1 2026 | 73.05% | 98.13% | $0 | $2.7M |
| Q2 2026 | 80.36% | 98.13% | $0 | $102.6M |
The National Bank of Indianapolis liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Indianapolis, 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 The National Bank of Indianapolis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33860) · FFIEC NIC profile (RSSD 2132941)