Portage 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.
Fed funds sold and reverse repos climbed 181.2% in Q2 2026, from $1.2M to $3.3M. It was the largest change from Q1 2026 among the key lines here. Portage Bank ranks 11th of 29 Washington banks on loan-to-deposit ratio, in the upper half at 93.87% (Q2 2026). Portage Bank reported 93.87% on loan-to-deposit ratio for Q2 2026, 13.03 points above 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 | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.8M |
| Fed funds sold and reverse repos | $3.3M |
| Fed funds sold and reverse repos to assets | 2.85% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.87% |
| Net loans and leases to deposits | 92.81% |
| Loans and leases to core deposits | 94.93% |
| Core deposits to total deposits | 95.21% |
| Brokered deposits to total deposits | 3.67% |
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 | 104.32% | 59.98% | $0 | $6.8M |
| Q4 2023 | 104.70% | 58.37% | $0 | $6.8M |
| Q1 2024 | 96.90% | 60.95% | $0 | $6.1M |
| Q2 2024 | 108.13% | 60.99% | $0 | $6.1M |
| Q3 2024 | 98.49% | 62.06% | $0 | $6.1M |
| Q4 2024 | 82.42% | 67.64% | $0 | $8.1M |
| Q1 2025 | 93.45% | 79.84% | $0 | $8.1M |
| Q2 2025 | 102.71% | 68.74% | $0 | $11.1M |
| Q3 2025 | 106.52% | 73.75% | $0 | $14.2M |
| Q4 2025 | 109.60% | 78.43% | $0 | $13.3M |
| Q1 2026 | 94.50% | 85.19% | $0 | $13.3M |
| Q2 2026 | 93.87% | 95.21% | $0 | $13.3M |
Portage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage 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 Portage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8197) · FFIEC NIC profile (RSSD 401951)