PB&T 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 dropped 100.0% in Q2 2026, from $15.0M to $0. It was the largest change from Q1 2026 among the key lines here. Within Colorado, PB&T Bank is 29th of 63 on loan-to-deposit ratio, 85.15% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. PB&T Bank sits 4.31 points higher, at 85.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $181.8M |
| Fed funds sold and reverse repos | $795K |
| Fed funds sold and reverse repos to assets | 0.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.7M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.15% |
| Net loans and leases to deposits | 84.08% |
| Loans and leases to core deposits | 85.89% |
| Core deposits to total deposits | 99.13% |
| 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 | 82.68% | 97.82% | $1.9M | $15.0M |
| Q4 2023 | 82.13% | 97.77% | $1.4M | $15.0M |
| Q1 2024 | 82.13% | 98.73% | $2.8M | $25.0M |
| Q2 2024 | 83.56% | 98.83% | $3.1M | $25.0M |
| Q3 2024 | 79.53% | 99.80% | $2.7M | $15.0M |
| Q4 2024 | 80.72% | 99.87% | $3.0M | $0 |
| Q1 2025 | 85.98% | 99.83% | $3.6M | $0 |
| Q2 2025 | 94.96% | 99.68% | $10.3M | $15.0M |
| Q3 2025 | 96.03% | 99.69% | $8.1M | $15.0M |
| Q4 2025 | 94.18% | 99.69% | $4.4M | $15.0M |
| Q1 2026 | 83.65% | 99.05% | $6.3M | $15.0M |
| Q2 2026 | 85.15% | 99.13% | $6.7M | $0 |
PB&T Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock PB&T 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 PB&T Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12594) · FFIEC NIC profile (RSSD 106452)