North State 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.
Loan-to-deposit ratio dropped 1.14 percentage points in Q2 2026, from 95.97% to 94.83%. It was the largest change from Q1 2026 among the key lines here. North State Bank ranks 7th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 94.83% (Q2 2026). North State Bank reported 94.83% on loan-to-deposit ratio for Q2 2026, 6.63 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 | $171.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $220.8M |
| 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 | $100.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.83% |
| Net loans and leases to deposits | 94.20% |
| Loans and leases to core deposits | 96.07% |
| Core deposits to total deposits | 98.71% |
| 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 | 92.50% | 98.36% | $223K | $917K |
| Q4 2023 | 99.66% | 98.13% | $188K | $100.9M |
| Q1 2024 | 95.95% | 98.09% | $267K | $100.8M |
| Q2 2024 | 99.08% | 98.30% | $303K | $100.8M |
| Q3 2024 | 97.09% | 98.30% | $574K | $100.7M |
| Q4 2024 | 98.66% | 98.97% | $429K | $100.7M |
| Q1 2025 | 96.85% | 99.05% | $0 | $100.6M |
| Q2 2025 | 101.87% | 98.87% | $0 | $100.2M |
| Q3 2025 | 102.09% | 98.84% | $0 | $100.1M |
| Q4 2025 | 100.97% | 98.89% | $0 | $100.1M |
| Q1 2026 | 95.97% | 98.98% | $0 | $100.1M |
| Q2 2026 | 94.83% | 98.71% | $0 | $100.0M |
North State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35519) · FFIEC NIC profile (RSSD 2915461)