Saint Louis 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 Fed funds sold and reverse repos: 89.5% lower than in Q1 2026, at $5.1M. Saint Louis Bank ranks 65th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 91.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Saint Louis Bank sits 3.14 points higher, at 91.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $163.7M |
| Fed funds sold and reverse repos | $5.1M |
| Fed funds sold and reverse repos to assets | 0.46% |
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 | 91.34% |
| Net loans and leases to deposits | 90.15% |
| Loans and leases to core deposits | 94.78% |
| Core deposits to total deposits | 54.19% |
| Brokered deposits to total deposits | 42.18% |
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 | 91.36% | 67.23% | $0 | $20.0M |
| Q4 2023 | 91.40% | 69.35% | $0 | $20.0M |
| Q1 2024 | 86.14% | 61.10% | $0 | $20.0M |
| Q2 2024 | 87.92% | 61.54% | $0 | $20.0M |
| Q3 2024 | 92.38% | 60.53% | $0 | $10.0M |
| Q4 2024 | 94.09% | 63.06% | $0 | $10.0M |
| Q1 2025 | 81.01% | 56.86% | $0 | $0 |
| Q2 2025 | 85.60% | 57.88% | $0 | $0 |
| Q3 2025 | 93.70% | 57.92% | $0 | $0 |
| Q4 2025 | 95.25% | 64.36% | $655K | $0 |
| Q1 2026 | 84.43% | 55.88% | $0 | $0 |
| Q2 2026 | 91.34% | 54.19% | $0 | $0 |
Saint Louis Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint Louis 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 Saint Louis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58018) · FFIEC NIC profile (RSSD 3354599)