The Seymour 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.
Other borrowed money dropped 50.0% in Q2 2026, from $20.0M to $10.0M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, The Seymour Bank is 140th of 192 on loan-to-deposit ratio, 73.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Seymour Bank sits 6.89 points lower, at 73.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.3M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.45% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.95% |
| Net loans and leases to deposits | 73.12% |
| Loans and leases to core deposits | 77.65% |
| Core deposits to total deposits | 91.87% |
| Brokered deposits to total deposits | 3.36% |
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 | 75.65% | 89.99% | $0 | $32.0M |
| Q4 2023 | 74.22% | 92.44% | $0 | $32.0M |
| Q1 2024 | 73.33% | 83.95% | $0 | $22.4M |
| Q2 2024 | 73.56% | 86.24% | $0 | $22.4M |
| Q3 2024 | 70.12% | 83.62% | $0 | $20.0M |
| Q4 2024 | 64.54% | 85.47% | $0 | $20.0M |
| Q1 2025 | 70.45% | 87.02% | $0 | $20.0M |
| Q2 2025 | 72.40% | 89.11% | $2.5M | $20.0M |
| Q3 2025 | 74.70% | 88.54% | $5.0M | $20.0M |
| Q4 2025 | 66.98% | 89.80% | $0 | $20.0M |
| Q1 2026 | 73.78% | 91.37% | $0 | $20.0M |
| Q2 2026 | 73.95% | 91.87% | $0 | $10.0M |
The Seymour Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Seymour 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 The Seymour Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15701) · FFIEC NIC profile (RSSD 428855)