North American Savings Bank, FSB: 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: 44.1% higher than in Q1 2026, at $89.4M. On loan-to-deposit ratio, North American Savings Bank, FSB ranks 2nd highest among the 192 banks headquartered in Missouri, at 117.78% (Q2 2026). North American Savings Bank, FSB reported 117.78% on loan-to-deposit ratio for Q2 2026, 29.58 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $89.4M |
| Cash and noninterest-bearing balances to assets | 2.80% |
| Cash and securities | $714.3M |
| Fed funds sold and reverse repos | $225.0M |
| Fed funds sold and reverse repos to assets | 7.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $889.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 27.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.78% |
| Net loans and leases to deposits | 116.20% |
| Loans and leases to core deposits | 131.79% |
| Core deposits to total deposits | 88.32% |
| Brokered deposits to total deposits | 1.06% |
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 | 114.98% | 82.77% | $0 | $573.0M |
| Q4 2023 | 123.84% | 86.20% | $0 | $599.4M |
| Q1 2024 | 117.84% | 83.54% | $0 | $633.6M |
| Q2 2024 | 123.47% | 87.22% | $0 | $649.1M |
| Q3 2024 | 121.68% | 87.18% | $0 | $682.5M |
| Q4 2024 | 118.73% | 84.44% | $0 | $678.3M |
| Q1 2025 | 110.00% | 82.18% | $0 | $671.2M |
| Q2 2025 | 115.25% | 87.04% | $0 | $650.2M |
| Q3 2025 | 116.33% | 86.49% | $0 | $643.0M |
| Q4 2025 | 115.00% | 85.51% | $0 | $628.9M |
| Q1 2026 | 115.01% | 86.44% | $0 | $809.9M |
| Q2 2026 | 117.78% | 88.32% | $0 | $889.3M |
North American Savings Bank, FSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North American Savings Bank, FSB, 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 American Savings Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29708) · FFIEC NIC profile (RSSD 211271)