Patriots 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.
Other borrowed money climbed 110.0% in Q2 2026, from $5.0M to $10.5M. It was the largest change from Q1 2026 among the key lines here. Patriots Bank ranks 47th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 87.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Patriots Bank sits 6.94 points higher, at 87.78% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.3M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 1.33% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.78% |
| Net loans and leases to deposits | 86.83% |
| Loans and leases to core deposits | 94.25% |
| Core deposits to total deposits | 93.14% |
| 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 | 85.76% | 95.77% | $0 | $19.0M |
| Q4 2023 | 89.11% | 95.32% | $0 | $13.0M |
| Q1 2024 | 86.50% | 94.53% | $0 | $11.5M |
| Q2 2024 | 86.97% | 92.59% | $0 | $12.0M |
| Q3 2024 | 87.13% | 93.48% | $0 | $8.2M |
| Q4 2024 | 89.61% | 94.41% | $0 | $10.5M |
| Q1 2025 | 82.78% | 94.17% | $0 | $7.0M |
| Q2 2025 | 84.32% | 92.76% | $0 | $5.0M |
| Q3 2025 | 88.82% | 93.84% | $59K | $8.0M |
| Q4 2025 | 88.23% | 93.30% | $0 | $7.0M |
| Q1 2026 | 86.62% | 93.22% | $0 | $5.0M |
| Q2 2026 | 87.78% | 93.14% | $0 | $10.5M |
Patriots Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriots 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 Patriots Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18019) · FFIEC NIC profile (RSSD 297051)