New Republic 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 Fed funds sold and reverse repos: 194.4% higher than in Q1 2026, at $26.1M. New Republic Bank ranks 15th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 87.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. New Republic Bank sits 6.44 points higher, at 87.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.8M |
| Fed funds sold and reverse repos | $26.1M |
| Fed funds sold and reverse repos to assets | 14.83% |
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 | 87.28% |
| Net loans and leases to deposits | 86.32% |
| Loans and leases to core deposits | 89.89% |
| Core deposits to total deposits | 92.74% |
| Brokered deposits to total deposits | 4.35% |
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 | 99.02% | 79.82% | $0 | $10.0M |
| Q4 2023 | 101.42% | 79.07% | $0 | $10.0M |
| Q1 2024 | 100.01% | 79.15% | $0 | $10.0M |
| Q2 2024 | 100.32% | 66.38% | $0 | $0 |
| Q3 2024 | 96.98% | 63.66% | $0 | $0 |
| Q4 2024 | 94.75% | 66.37% | $0 | $15.0M |
| Q1 2025 | 80.46% | 77.10% | $0 | $7.5M |
| Q2 2025 | 84.52% | 81.83% | $0 | $0 |
| Q3 2025 | 88.36% | 76.39% | $0 | $0 |
| Q4 2025 | 96.53% | 90.33% | $0 | $0 |
| Q1 2026 | 94.32% | 89.62% | $0 | $0 |
| Q2 2026 | 87.28% | 92.74% | $0 | $0 |
New Republic Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Republic 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 Republic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34860) · FFIEC NIC profile (RSSD 2754222)