Noblebank & Trust: 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 Loan-to-deposit ratio: 3.03 percentage points higher than in Q1 2026, at 69.28%. Within Alabama, Noblebank & Trust is 45th of 93 on loan-to-deposit ratio, 69.28% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Noblebank & Trust sits 11.56 points lower, at 69.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $142.5M |
| Fed funds sold and reverse repos | $3.4M |
| Fed funds sold and reverse repos to assets | 0.77% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.28% |
| Net loans and leases to deposits | 68.37% |
| Loans and leases to core deposits | 77.24% |
| Core deposits to total deposits | 89.69% |
| 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 | 67.83% | 93.06% | $0 | $0 |
| Q4 2023 | 69.38% | 93.33% | $0 | $4.0M |
| Q1 2024 | 67.26% | 92.34% | $0 | $0 |
| Q2 2024 | 68.59% | 92.44% | $0 | $0 |
| Q3 2024 | 63.92% | 92.32% | $0 | $0 |
| Q4 2024 | 65.47% | 92.50% | $0 | $0 |
| Q1 2025 | 65.74% | 91.92% | $0 | $0 |
| Q2 2025 | 67.10% | 89.34% | $0 | $0 |
| Q3 2025 | 65.79% | 88.87% | $0 | $0 |
| Q4 2025 | 65.99% | 88.93% | $0 | $0 |
| Q1 2026 | 66.24% | 88.40% | $0 | $0 |
| Q2 2026 | 69.28% | 89.69% | $0 | $5.0M |
Noblebank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Noblebank & Trust, 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 Noblebank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58111) · FFIEC NIC profile (RSSD 3385744)