Silver Lake 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 Loans and leases to core deposits: 3.56 percentage points higher than in Q1 2026, at 99.42%. Silver Lake Bank ranks 45th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 88.94% (Q2 2026). Silver Lake Bank reported 88.94% on loan-to-deposit ratio for Q2 2026, 8.10 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $139.8M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 0.91% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $29.6M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.94% |
| Net loans and leases to deposits | 88.04% |
| Loans and leases to core deposits | 99.42% |
| Core deposits to total deposits | 88.79% |
| Brokered deposits to total deposits | 0.66% |
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 | 98.42% | 92.69% | $40.2M | $0 |
| Q4 2023 | 100.65% | 91.84% | $41.5M | $0 |
| Q1 2024 | 92.49% | 91.97% | $48.5M | $0 |
| Q2 2024 | 87.11% | 92.29% | $43.6M | $0 |
| Q3 2024 | 92.30% | 90.67% | $29.4M | $15.0M |
| Q4 2024 | 90.30% | 90.79% | $24.3M | $7.5M |
| Q1 2025 | 86.15% | 90.79% | $26.5M | $0 |
| Q2 2025 | 85.57% | 90.77% | $26.2M | $15.0M |
| Q3 2025 | 98.57% | 89.97% | $26.6M | $15.0M |
| Q4 2025 | 92.51% | 87.54% | $29.1M | $15.0M |
| Q1 2026 | 85.47% | 88.47% | $30.0M | $15.0M |
| Q2 2026 | 88.94% | 88.79% | $29.6M | $15.0M |
Silver Lake Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Silver Lake 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 Silver Lake Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15323) · FFIEC NIC profile (RSSD 326054)