NBKC Bank: 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 Brokered deposits to total deposits: 3.09 percentage points higher than in Q1 2026, at 9.22%. NBKC Bank ranks 38th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 90.99% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. NBKC Bank sits 2.79 points higher, at 90.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $213.7M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.99% |
| Net loans and leases to deposits | 89.82% |
| Loans and leases to core deposits | 96.33% |
| Core deposits to total deposits | 85.36% |
| Brokered deposits to total deposits | 9.22% |
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 | 70.78% | 93.52% | $0 | $5.0M |
| Q4 2023 | 78.01% | 95.12% | $0 | $5.0M |
| Q1 2024 | 74.86% | 92.07% | $0 | $5.0M |
| Q2 2024 | 86.44% | 90.93% | $0 | $5.0M |
| Q3 2024 | 90.10% | 89.92% | $0 | $5.0M |
| Q4 2024 | 87.04% | 88.75% | $0 | $5.0M |
| Q1 2025 | 90.06% | 88.29% | $0 | $5.0M |
| Q2 2025 | 90.06% | 89.66% | $0 | $5.0M |
| Q3 2025 | 91.20% | 88.61% | $0 | $5.0M |
| Q4 2025 | 86.93% | 84.81% | $0 | $5.0M |
| Q1 2026 | 90.02% | 87.05% | $0 | $5.0M |
| Q2 2026 | 90.99% | 85.36% | $0 | $5.0M |
NBKC Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock NBKC Bank, 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 NBKC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35014) · FFIEC NIC profile (RSSD 2747587)