Phelps County 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 3.08 percentage points in Q2 2026, from 84.43% to 87.52%. It was the largest change from Q1 2026 among the key lines here. Phelps County Bank ranks 105th of 191 Missouri banks on loan-to-deposit ratio, in the lower half at 83.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Phelps County Bank sits 2.60 points higher, at 83.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $77.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $133.1M |
| 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 | $4.4M |
| 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 | 83.15% |
| Net loans and leases to deposits | 82.36% |
| Loans and leases to core deposits | 87.52% |
| Core deposits to total deposits | 95.01% |
| 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 | 80.05% | 99.54% | $27.8M | $0 |
| Q4 2023 | 81.77% | 99.55% | $21.5M | $0 |
| Q1 2024 | 88.30% | 99.16% | $38.2M | $0 |
| Q2 2024 | 87.21% | 99.03% | $23.2M | $0 |
| Q3 2024 | 89.05% | 98.68% | $24.1M | $0 |
| Q4 2024 | 87.01% | 98.44% | $10.5M | $0 |
| Q1 2025 | 89.62% | 97.83% | $27.9M | $5.0M |
| Q2 2025 | 85.92% | 97.29% | $9.6M | $5.0M |
| Q3 2025 | 86.50% | 96.18% | $9.2M | $0 |
| Q4 2025 | 80.03% | 95.39% | $5.8M | $0 |
| Q1 2026 | 80.31% | 95.12% | $5.5M | $0 |
| Q2 2026 | 83.15% | 95.01% | $4.4M | $0 |
Phelps County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Phelps County 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 Phelps County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18841) · FFIEC NIC profile (RSSD 342054)