Redemption 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.
Brokered deposits to total deposits climbed 14.26 percentage points in Q2 2026, from 0.00% to 14.26%. It was the largest change from Q1 2026 among the key lines here. Redemption Bank ranks 20th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 94.34% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Redemption Bank sits 26.72 points higher, at 94.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.8M |
| Fed funds sold and reverse repos | $40K |
| Fed funds sold and reverse repos to assets | 0.05% |
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 | 94.34% |
| Net loans and leases to deposits | 93.00% |
| Loans and leases to core deposits | 100.25% |
| Core deposits to total deposits | 80.30% |
| Brokered deposits to total deposits | 14.26% |
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 | 91.42% | 94.48% | $0 | $0 |
| Q4 2023 | 97.61% | 91.91% | $0 | $0 |
| Q1 2024 | 85.73% | 91.30% | $0 | $0 |
| Q2 2024 | 84.11% | 91.55% | $0 | $0 |
| Q3 2024 | 80.39% | 91.95% | $0 | $0 |
| Q4 2024 | 76.93% | 93.78% | $0 | $0 |
| Q1 2025 | 72.20% | 93.01% | $0 | $0 |
| Q2 2025 | 63.61% | 95.26% | $0 | $0 |
| Q3 2025 | 84.87% | 94.05% | $0 | $0 |
| Q4 2025 | 91.28% | 94.05% | $0 | $0 |
| Q1 2026 | 91.92% | 94.49% | $0 | $0 |
| Q2 2026 | 94.34% | 80.30% | $0 | $0 |
Redemption Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Redemption 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 Redemption Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21448) · FFIEC NIC profile (RSSD 617275)