Neighbors 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 Other borrowed money: 100.0% higher than in Q1 2026, at $14.7M. Among 192 Missouri banks, Neighbors Bank sits 7th from the top on loan-to-deposit ratio, 109.36% as of Q2 2026. Neighbors Bank reported 109.36% on loan-to-deposit ratio for Q2 2026, 28.53 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.0M |
| 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 | $14.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.71% |
| Trading liabilities | $52K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.36% |
| Net loans and leases to deposits | 109.04% |
| Loans and leases to core deposits | 109.36% |
| Core deposits to total deposits | 100.00% |
| 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 | 76.42% | 99.43% | $0 | $309K |
| Q4 2023 | 75.58% | 99.45% | $0 | $263K |
| Q1 2024 | 90.02% | 99.43% | $0 | $214K |
| Q2 2024 | 112.70% | 99.43% | $0 | $8.8M |
| Q3 2024 | 113.90% | 99.42% | $0 | $15.0M |
| Q4 2024 | 135.44% | 99.44% | $0 | $18.7M |
| Q1 2025 | 96.03% | 99.54% | $0 | $277K |
| Q2 2025 | 111.49% | 99.58% | $0 | $12.6M |
| Q3 2025 | 78.22% | 100.00% | $0 | $0 |
| Q4 2025 | 84.78% | 100.00% | $0 | $0 |
| Q1 2026 | 102.28% | 100.00% | $0 | $7.3M |
| Q2 2026 | 109.36% | 100.00% | $0 | $14.7M |
Neighbors Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighbors 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 Neighbors Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16247) · FFIEC NIC profile (RSSD 503640)