Solera National 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 to assets dropped 7.42 percentage points in Q2 2026, from 15.98% to 8.56%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Solera National Bank is 44th of 63 on loan-to-deposit ratio, 69.68% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Solera National Bank sits 18.52 points lower, at 69.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.2M |
| Cash and noninterest-bearing balances to assets | 0.14% |
| Cash and securities | $589.1M |
| 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 | $132.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.68% |
| Net loans and leases to deposits | 68.63% |
| Loans and leases to core deposits | 69.81% |
| Core deposits to total deposits | 83.03% |
| Brokered deposits to total deposits | 17.18% |
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 | 70.38% | 78.68% | $7.1M | $34.0M |
| Q4 2023 | 81.14% | 76.31% | $0 | $172.1M |
| Q1 2024 | 77.66% | 78.49% | $0 | $113.1M |
| Q2 2024 | 84.20% | 73.91% | $0 | $198.6M |
| Q3 2024 | 78.35% | 72.07% | $0 | $47.3M |
| Q4 2024 | 84.81% | 78.99% | $0 | $140.3M |
| Q1 2025 | 83.50% | 84.87% | $0 | $94.2M |
| Q2 2025 | 68.31% | 78.87% | $0 | $34.0M |
| Q3 2025 | 74.86% | 89.20% | $0 | $34.0M |
| Q4 2025 | 73.69% | 89.98% | $0 | $312.5M |
| Q1 2026 | 74.29% | 84.81% | $0 | $257.4M |
| Q2 2026 | 69.68% | 83.03% | $0 | $132.9M |
Solera National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Solera National 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 Solera National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58534) · FFIEC NIC profile (RSSD 3397233)