Patterson 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 39.1% higher than in Q1 2026, at $3.2M. Patterson State Bank ranks 78th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 64.94% (Q2 2026). Patterson State Bank reported 64.94% on loan-to-deposit ratio for Q2 2026, 15.90 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.9M |
| Fed funds sold and reverse repos | $3.2M |
| Fed funds sold and reverse repos to assets | 0.97% |
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 | 1.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.94% |
| Net loans and leases to deposits | 64.20% |
| Loans and leases to core deposits | 76.34% |
| Core deposits to total deposits | 85.07% |
| 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 | 64.05% | 89.57% | $0 | $5.0M |
| Q4 2023 | 58.47% | 90.16% | $0 | $5.0M |
| Q1 2024 | 65.70% | 88.79% | $0 | $5.0M |
| Q2 2024 | 65.88% | 90.00% | $0 | $5.0M |
| Q3 2024 | 69.59% | 86.21% | $0 | $5.0M |
| Q4 2024 | 62.92% | 87.86% | $0 | $5.0M |
| Q1 2025 | 68.99% | 86.37% | $0 | $5.0M |
| Q2 2025 | 71.42% | 85.44% | $0 | $5.0M |
| Q3 2025 | 70.78% | 85.12% | $0 | $5.0M |
| Q4 2025 | 61.22% | 87.63% | $0 | $5.0M |
| Q1 2026 | 64.60% | 86.31% | $0 | $5.0M |
| Q2 2026 | 64.94% | 85.07% | $0 | $5.0M |
Patterson State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Patterson 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 Patterson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12609) · FFIEC NIC profile (RSSD 85931)