Preferred 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 Cash and balances due from depository institutions: 26.7% lower than in Q1 2026, at $11.8M. Preferred Bank has the 15th lowest loan-to-deposit ratio of the 191 banks headquartered in Missouri, at 49.49% as of Q2 2026. Preferred Bank reported 49.49% on loan-to-deposit ratio for Q2 2026, 31.07 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.7M |
| 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 | $2.0M |
| Other borrowed money | $100K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.49% |
| Net loans and leases to deposits | 49.08% |
| Loans and leases to core deposits | 50.46% |
| Core deposits to total deposits | 98.08% |
| 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 | 37.37% | 97.35% | $0 | $7.0M |
| Q4 2023 | 38.95% | 97.08% | $0 | $3.5M |
| Q1 2024 | 38.22% | 96.90% | $0 | $3.5M |
| Q2 2024 | 38.75% | 97.06% | $0 | $3.5M |
| Q3 2024 | 41.10% | 96.78% | $0 | $6.8M |
| Q4 2024 | 43.11% | 96.37% | $0 | $6.0M |
| Q1 2025 | 42.15% | 98.74% | $1K | $3.5M |
| Q2 2025 | 45.15% | 98.93% | $0 | $0 |
| Q3 2025 | 49.05% | 97.85% | $1.0M | $2.0M |
| Q4 2025 | 51.27% | 97.48% | $1.0M | $3.5M |
| Q1 2026 | 47.52% | 98.48% | $2.0M | $800K |
| Q2 2026 | 49.49% | 98.08% | $2.0M | $100K |
Preferred Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Preferred 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 Preferred Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10628) · FFIEC NIC profile (RSSD 252452)