New Era 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.
Fed funds sold and reverse repos rose 7.1% from Q1 2026 to Q2 2026, ending at $10.9M against $10.2M. It was the largest change among the key lines on this page. Within Missouri, New Era Bank is 163rd of 191 on loan-to-deposit ratio, 65.59% as of Q2 2026. New Era Bank reported 65.59% on loan-to-deposit ratio for Q2 2026, 14.97 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $64.1M |
| Cash and noninterest-bearing balances to assets | 11.74% |
| Cash and securities | $181.7M |
| Fed funds sold and reverse repos | $10.9M |
| Fed funds sold and reverse repos to assets | 2.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.59% |
| Net loans and leases to deposits | 64.67% |
| Loans and leases to core deposits | 70.27% |
| Core deposits to total deposits | 93.33% |
| 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 | 69.20% | 92.87% | $0 | $0 |
| Q4 2023 | 70.82% | 93.66% | $175K | $0 |
| Q1 2024 | 69.17% | 94.40% | $0 | $0 |
| Q2 2024 | 71.15% | 93.73% | $0 | $0 |
| Q3 2024 | 72.89% | 93.32% | $0 | $0 |
| Q4 2024 | 71.48% | 93.48% | $0 | $0 |
| Q1 2025 | 67.83% | 93.70% | $0 | $0 |
| Q2 2025 | 66.01% | 93.61% | $0 | $0 |
| Q3 2025 | 66.49% | 93.06% | $0 | $0 |
| Q4 2025 | 68.31% | 93.36% | $0 | $0 |
| Q1 2026 | 66.11% | 93.44% | $0 | $0 |
| Q2 2026 | 65.59% | 93.33% | $0 | $0 |
New Era Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Era 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 New Era Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14546) · FFIEC NIC profile (RSSD 1014657)