Royal Banks of Missouri: 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.
Loan-to-deposit ratio climbed 5.32 percentage points in Q2 2026, from 85.27% to 90.59%. It was the largest change from Q1 2026 among the key lines here. Royal Banks of Missouri ranks 71st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 90.59% (Q2 2026). At 90.59%, Royal Banks of Missouri's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $129.1M |
| Fed funds sold and reverse repos | $2.1M |
| Fed funds sold and reverse repos to assets | 0.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.59% |
| Net loans and leases to deposits | 90.05% |
| Loans and leases to core deposits | 102.76% |
| Core deposits to total deposits | 88.15% |
| 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 | 77.57% | 87.58% | $1.7M | $0 |
| Q4 2023 | 82.70% | 86.82% | $1.6M | $0 |
| Q1 2024 | 83.80% | 87.88% | $1.3M | $0 |
| Q2 2024 | 84.61% | 87.56% | $0 | $0 |
| Q3 2024 | 86.86% | 87.15% | $0 | $0 |
| Q4 2024 | 82.77% | 87.94% | $0 | $0 |
| Q1 2025 | 81.89% | 88.01% | $0 | $2.8M |
| Q2 2025 | 83.94% | 87.68% | $0 | $2.8M |
| Q3 2025 | 84.70% | 87.64% | $0 | $2.8M |
| Q4 2025 | 86.33% | 88.55% | $0 | $2.8M |
| Q1 2026 | 85.27% | 87.29% | $0 | $3.6M |
| Q2 2026 | 90.59% | 88.15% | $0 | $3.6M |
Royal Banks of Missouri liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Royal Banks of Missouri, 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 Royal Banks of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19512) · FFIEC NIC profile (RSSD 501459)