North Alabama 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 Cash and balances due from depository institutions: 12.7% higher than in Q1 2026, at $15.9M. North Alabama Bank ranks 12th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 89.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. North Alabama Bank sits 8.52 points higher, at 89.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.1M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.66% |
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 | 89.36% |
| Net loans and leases to deposits | 88.41% |
| Loans and leases to core deposits | 103.88% |
| Core deposits to total deposits | 81.53% |
| Brokered deposits to total deposits | 4.49% |
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 | 87.66% | 80.71% | $0 | $0 |
| Q4 2023 | 84.49% | 81.49% | $0 | $0 |
| Q1 2024 | 86.28% | 83.55% | $0 | $0 |
| Q2 2024 | 86.30% | 77.04% | $0 | $0 |
| Q3 2024 | 91.48% | 78.38% | $0 | $3.0M |
| Q4 2024 | 89.53% | 79.54% | $0 | $3.0M |
| Q1 2025 | 90.10% | 81.14% | $0 | $3.0M |
| Q2 2025 | 91.06% | 81.62% | $0 | $3.0M |
| Q3 2025 | 87.69% | 82.08% | $0 | $1.5M |
| Q4 2025 | 89.87% | 80.96% | $0 | $1.5M |
| Q1 2026 | 89.57% | 82.08% | $0 | $0 |
| Q2 2026 | 89.36% | 81.53% | $0 | $0 |
North Alabama Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North Alabama 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 North Alabama Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27560) · FFIEC NIC profile (RSSD 1402384)