NBT Financial 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.
Loans and leases to core deposits dropped 2.70 percentage points in Q2 2026, from 109.08% to 106.38%. It was the largest change from Q1 2026 among the key lines here. NBT Financial Bank ranks 95th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 84.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. NBT Financial Bank sits 4.04 points higher, at 84.87% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $134.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $141.2M |
| Fed funds sold and reverse repos | $586K |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.62% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.87% |
| Net loans and leases to deposits | 83.78% |
| Loans and leases to core deposits | 106.38% |
| Core deposits to total deposits | 79.78% |
| 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 | 96.47% | 82.10% | $0 | $0 |
| Q4 2023 | 93.04% | 82.02% | $0 | $0 |
| Q1 2024 | 93.97% | 81.31% | $0 | $0 |
| Q2 2024 | 94.28% | 82.00% | $0 | $0 |
| Q3 2024 | 100.89% | 81.96% | $3.0M | $31.0M |
| Q4 2024 | 101.18% | 81.32% | $0 | $0 |
| Q1 2025 | 100.29% | 79.74% | $0 | $25.0M |
| Q2 2025 | 98.10% | 77.98% | $0 | $5.0M |
| Q3 2025 | 89.46% | 71.98% | $0 | $35.0M |
| Q4 2025 | 86.52% | 76.96% | $0 | $10.0M |
| Q1 2026 | 86.17% | 78.04% | $0 | $10.0M |
| Q2 2026 | 84.87% | 79.78% | $0 | $10.0M |
NBT Financial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock NBT Financial 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 NBT Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21329) · FFIEC NIC profile (RSSD 406059)