Robertson Banking Company: 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.
Cash and balances due from depository institutions dropped 42.3% in Q2 2026, from $36.9M to $21.3M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Robertson Banking Company is 27th of 93 on loan-to-deposit ratio, 78.77% as of Q2 2026, above the middle of the field. At 78.77%, Robertson Banking Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.3M |
| Cash and noninterest-bearing balances to assets | 3.52% |
| Cash and securities | $122.2M |
| Fed funds sold and reverse repos | $15.3M |
| Fed funds sold and reverse repos to assets | 3.31% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.77% |
| Net loans and leases to deposits | 77.58% |
| Loans and leases to core deposits | 84.85% |
| Core deposits to total deposits | 92.83% |
| 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 | 78.25% | 90.82% | $0 | $8.0M |
| Q4 2023 | 74.28% | 90.90% | $0 | $8.0M |
| Q1 2024 | 75.84% | 90.93% | $0 | $8.0M |
| Q2 2024 | 76.70% | 91.39% | $0 | $8.0M |
| Q3 2024 | 78.85% | 90.94% | $0 | $8.0M |
| Q4 2024 | 79.15% | 92.45% | $0 | $8.0M |
| Q1 2025 | 75.34% | 92.45% | $0 | $8.0M |
| Q2 2025 | 74.70% | 92.80% | $0 | $8.0M |
| Q3 2025 | 76.66% | 93.87% | $0 | $8.0M |
| Q4 2025 | 76.42% | 92.59% | $0 | $8.0M |
| Q1 2026 | 74.95% | 92.45% | $0 | $8.0M |
| Q2 2026 | 78.77% | 92.83% | $0 | $8.0M |
Robertson Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Robertson Banking Company, 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 Robertson Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 39) · FFIEC NIC profile (RSSD 430036)