Partners 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.
Loans and leases to core deposits climbed 6.31 percentage points in Q2 2026, from 114.18% to 120.49%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Partners Bank ranks 6th highest among the 78 banks headquartered in Arkansas, at 104.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Partners Bank sits 23.46 points higher, at 104.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.6M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.29% |
| Net loans and leases to deposits | 102.39% |
| Loans and leases to core deposits | 120.49% |
| Core deposits to total deposits | 86.30% |
| Brokered deposits to total deposits | 0.25% |
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 | 114.75% | 84.38% | $0 | $54.0M |
| Q4 2023 | 106.22% | 85.94% | $0 | $45.0M |
| Q1 2024 | 100.26% | 77.38% | $0 | $5.0M |
| Q2 2024 | 106.36% | 77.41% | $0 | $26.0M |
| Q3 2024 | 109.60% | 77.73% | $0 | $35.0M |
| Q4 2024 | 103.13% | 76.29% | $0 | $23.5M |
| Q1 2025 | 108.58% | 79.16% | $0 | $33.0M |
| Q2 2025 | 116.33% | 82.55% | $0 | $52.0M |
| Q3 2025 | 113.88% | 81.53% | $0 | $45.0M |
| Q4 2025 | 101.80% | 83.68% | $0 | $10.0M |
| Q1 2026 | 98.81% | 86.26% | $0 | $0 |
| Q2 2026 | 104.29% | 86.30% | $0 | $5.0M |
Partners Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners 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 Partners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15729) · FFIEC NIC profile (RSSD 335346)