SJN Bank of Kansas: 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 Q3 2026 was in Other borrowed money: 96.3% higher than in Q2 2026, at $27.8M. Within Kansas, SJN Bank of Kansas is 104th of 182 on loan-to-deposit ratio, 72.93% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. SJN Bank of Kansas sits 4.49 points lower, at 76.45% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.7M |
| Fed funds sold and reverse repos | $13K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $27.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 76.45% |
| Net loans and leases to deposits | 74.87% |
| Loans and leases to core deposits | 85.35% |
| Core deposits to total deposits | 89.57% |
| Brokered deposits to total deposits | 0.00% |
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 |
|---|---|---|---|---|
| Q4 2023 | 66.94% | 93.83% | $0 | $20.2M |
| Q1 2024 | 68.40% | 94.26% | $0 | $36.3M |
| Q2 2024 | 76.56% | 94.86% | $0 | $52.0M |
| Q3 2024 | 82.30% | 88.79% | $1K | $57.4M |
| Q4 2024 | 81.06% | 88.66% | $47K | $50.7M |
| Q1 2025 | 78.04% | 89.00% | $0 | $41.6M |
| Q2 2025 | 81.61% | 88.59% | $0 | $49.2M |
| Q3 2025 | 85.30% | 82.80% | $0 | $48.5M |
| Q4 2025 | 78.14% | 86.19% | $0 | $26.1M |
| Q1 2026 | 73.69% | 86.20% | $0 | $9.7M |
| Q2 2026 | 72.93% | 90.46% | $0 | $14.2M |
| Q3 2026 | 76.45% | 89.57% | $0 | $27.8M |
SJN Bank of Kansas liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock SJN Bank of Kansas, 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 SJN Bank of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4766) · FFIEC NIC profile (RSSD 412555)