Putnam County 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 Loans and leases to core deposits: 3.09 percentage points higher than in Q1 2026, at 105.01%. Putnam County State Bank ranks 91st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 86.31% (Q2 2026). Putnam County State Bank reported 86.31% on loan-to-deposit ratio for Q2 2026, 5.47 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 | $72.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.8M |
| 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 | $0 |
| 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 | 86.31% |
| Net loans and leases to deposits | 85.12% |
| Loans and leases to core deposits | 105.01% |
| Core deposits to total deposits | 82.19% |
| 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 | 103.52% | 82.59% | $0 | $0 |
| Q4 2023 | 98.37% | 82.13% | $0 | $0 |
| Q1 2024 | 95.78% | 82.14% | $0 | $0 |
| Q2 2024 | 99.17% | 82.17% | $0 | $0 |
| Q3 2024 | 99.72% | 81.64% | $0 | $0 |
| Q4 2024 | 99.03% | 82.33% | $0 | $0 |
| Q1 2025 | 94.75% | 82.26% | $0 | $0 |
| Q2 2025 | 91.97% | 81.97% | $0 | $0 |
| Q3 2025 | 91.56% | 82.20% | $0 | $0 |
| Q4 2025 | 90.14% | 82.73% | $0 | $0 |
| Q1 2026 | 84.19% | 82.60% | $0 | $0 |
| Q2 2026 | 86.31% | 82.19% | $0 | $0 |
Putnam County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Putnam County 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 Putnam County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22895) · FFIEC NIC profile (RSSD 382658)