Regional Missouri 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: 72.7% higher than in Q1 2026, at $32.7M. Regional Missouri Bank ranks 52nd of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 93.49% (Q2 2026). Regional Missouri Bank reported 93.49% on loan-to-deposit ratio for Q2 2026, 12.65 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 | $32.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.4M |
| Fed funds sold and reverse repos | $11.7M |
| Fed funds sold and reverse repos to assets | 1.96% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.49% |
| Net loans and leases to deposits | 92.52% |
| Loans and leases to core deposits | 99.36% |
| Core deposits to total deposits | 92.01% |
| Brokered deposits to total deposits | 2.08% |
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 | 84.42% | 87.39% | $0 | $1.2M |
| Q4 2023 | 85.78% | 85.20% | $0 | $10.7M |
| Q1 2024 | 83.97% | 85.98% | $0 | $10.7M |
| Q2 2024 | 88.70% | 87.40% | $0 | $19.7M |
| Q3 2024 | 97.93% | 87.32% | $0 | $46.7M |
| Q4 2024 | 92.86% | 88.28% | $0 | $54.0M |
| Q1 2025 | 92.13% | 89.41% | $0 | $54.0M |
| Q2 2025 | 91.26% | 88.95% | $0 | $38.0M |
| Q3 2025 | 96.22% | 89.88% | $0 | $42.0M |
| Q4 2025 | 91.62% | 90.20% | $0 | $16.0M |
| Q1 2026 | 93.70% | 92.09% | $0 | $16.0M |
| Q2 2026 | 93.49% | 92.01% | $0 | $25.0M |
Regional Missouri Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Regional Missouri 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 Regional Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18385) · FFIEC NIC profile (RSSD 579140)