Newtek Bank, N.A.: 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 Loans and leases to core deposits: 6.74 percentage points higher than in Q1 2026, at 99.15%. Newtek Bank, N.A. ranks 17th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 92.48% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Newtek Bank, N.A. sits 4.27 points higher, at 92.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $380.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $395.2M |
| 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 | $6.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.25% |
| Trading liabilities | $2K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.48% |
| Net loans and leases to deposits | 90.10% |
| Loans and leases to core deposits | 99.15% |
| Core deposits to total deposits | 90.32% |
| Brokered deposits to total deposits | 2.96% |
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 | 74.31% | 87.64% | $0 | $23.6M |
| Q4 2023 | 80.01% | 85.82% | $0 | $23.2M |
| Q1 2024 | 88.45% | 84.51% | $0 | $19.7M |
| Q2 2024 | 84.93% | 83.26% | $0 | $19.3M |
| Q3 2024 | 88.43% | 84.59% | $0 | $15.8M |
| Q4 2024 | 74.17% | 87.91% | $0 | $15.3M |
| Q1 2025 | 87.68% | 87.76% | $0 | $11.9M |
| Q2 2025 | 95.97% | 87.16% | $0 | $8.4M |
| Q3 2025 | 98.84% | 87.80% | $0 | $7.9M |
| Q4 2025 | 93.52% | 89.30% | $0 | $7.3M |
| Q1 2026 | 87.23% | 90.83% | $0 | $6.8M |
| Q2 2026 | 92.48% | 90.32% | $0 | $6.3M |
Newtek Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Newtek Bank, N.A., 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 Newtek Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18734) · FFIEC NIC profile (RSSD 502111)