Solutions Plus 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 16.57 percentage points in Q2 2026, from 36.62% to 53.19%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Solutions Plus Bank is 8th from the bottom among 93 Alabama banks, 39.97% (Q2 2026). Solutions Plus Bank reported 39.97% on loan-to-deposit ratio for Q2 2026, 27.66 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.2M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.97% |
| Net loans and leases to deposits | 39.47% |
| Loans and leases to core deposits | 53.19% |
| Core deposits to total deposits | 75.14% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 3 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 2025 | 7.13% | 100.00% | $0 | $0 |
| Q1 2026 | 28.37% | 77.48% | $0 | $0 |
| Q2 2026 | 39.97% | 75.14% | $0 | $0 |
Solutions Plus Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Solutions Plus 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 Solutions Plus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59362) · FFIEC NIC profile (RSSD 5975224)