Select 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.
Loans and leases to core deposits climbed 7.54 percentage points in Q2 2026, from 106.33% to 113.87%. It was the largest change from Q1 2026 among the key lines here. Among 56 Virginia banks, Select Bank sits 3rd from the top on loan-to-deposit ratio, 102.46% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Select Bank sits 21.91 points higher, at 102.46% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.2M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.23% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.46% |
| Net loans and leases to deposits | 101.66% |
| Loans and leases to core deposits | 113.87% |
| Core deposits to total deposits | 87.17% |
| Brokered deposits to total deposits | 2.81% |
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 | 91.35% | 86.81% | $0 | $0 |
| Q4 2023 | 88.77% | 88.78% | $0 | $0 |
| Q1 2024 | 91.04% | 88.14% | $0 | $0 |
| Q2 2024 | 91.66% | 87.08% | $0 | $0 |
| Q3 2024 | 92.29% | 88.11% | $0 | $0 |
| Q4 2024 | 95.66% | 88.98% | $0 | $12.5M |
| Q1 2025 | 96.30% | 88.86% | $0 | $10.0M |
| Q2 2025 | 97.91% | 89.02% | $1.1M | $15.0M |
| Q3 2025 | 97.39% | 88.62% | $0 | $10.0M |
| Q4 2025 | 95.48% | 88.82% | $0 | $5.0M |
| Q1 2026 | 96.87% | 88.34% | $0 | $0 |
| Q2 2026 | 102.46% | 87.17% | $0 | $30.0M |
Select Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Select 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 Select Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58563) · FFIEC NIC profile (RSSD 3567269)