Scottsdale Community 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 Brokered deposits to total deposits: 4.91 percentage points higher than in Q1 2026, at 17.09%. Within Arizona, Scottsdale Community Bank is 5th of 12 on loan-to-deposit ratio, 102.20% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Scottsdale Community Bank sits 21.36 points higher, at 102.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.20% |
| Net loans and leases to deposits | 101.49% |
| Loans and leases to core deposits | 115.07% |
| Core deposits to total deposits | 71.72% |
| Brokered deposits to total deposits | 17.09% |
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 | 110.67% | 93.59% | $0 | $4.8M |
| Q4 2023 | 109.64% | 86.86% | $0 | $5.7M |
| Q1 2024 | 105.78% | 87.27% | $0 | $3.8M |
| Q2 2024 | 111.76% | 86.49% | $0 | $8.3M |
| Q3 2024 | 89.50% | 74.24% | $0 | $2.7M |
| Q4 2024 | 98.75% | 73.41% | $0 | $6.1M |
| Q1 2025 | 91.40% | 74.48% | $0 | $2.5M |
| Q2 2025 | 98.66% | 84.04% | $2.0M | $6.4M |
| Q3 2025 | 97.91% | 83.24% | $0 | $6.4M |
| Q4 2025 | 99.16% | 79.04% | $0 | $6.3M |
| Q1 2026 | 100.55% | 74.70% | $0 | $8.2M |
| Q2 2026 | 102.20% | 71.72% | $0 | $11.1M |
Scottsdale Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Scottsdale Community 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 Scottsdale Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59203) · FFIEC NIC profile (RSSD 5691319)