Nebraska State Bank and 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.70 percentage points higher than in Q1 2026, at 91.21%. Within Nebraska, Nebraska State Bank and Trust Company is 24th of 138 on loan-to-deposit ratio, 95.26% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Nebraska State Bank and Trust Company sits 14.31 points higher, at 95.26% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.1M |
| Fed funds sold and reverse repos | $6.3M |
| Fed funds sold and reverse repos to assets | 2.21% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $16.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.26% |
| Net loans and leases to deposits | 94.11% |
| Loans and leases to core deposits | 104.43% |
| Core deposits to total deposits | 91.21% |
| 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 | 94.12% | 95.46% | $0 | $17.7M |
| Q4 2023 | 94.99% | 94.20% | $0 | $24.3M |
| Q1 2024 | 99.14% | 93.25% | $0 | $27.4M |
| Q2 2024 | 98.42% | 89.29% | $0 | $21.4M |
| Q3 2024 | 98.37% | 88.33% | $0 | $21.9M |
| Q4 2024 | 103.41% | 89.12% | $0 | $40.2M |
| Q1 2025 | 103.45% | 90.73% | $0 | $31.1M |
| Q2 2025 | 98.02% | 88.88% | $0 | $16.9M |
| Q3 2025 | 97.89% | 87.05% | $0 | $17.6M |
| Q4 2025 | 93.96% | 90.60% | $0 | $15.5M |
| Q1 2026 | 94.77% | 89.51% | $0 | $14.4M |
| Q2 2026 | 95.26% | 91.21% | $0 | $16.4M |
Nebraska State Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraska State Bank and 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 Nebraska State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8322) · FFIEC NIC profile (RSSD 412153)