Sound Banking Company: 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 3.28 percentage points in Q2 2026, from 142.34% to 145.62%. It was the largest change from Q1 2026 among the key lines here. Sound Banking Company ranks 7th of 29 Washington banks on loan-to-deposit ratio, in the upper half at 98.14% (Q2 2026). Sound Banking Company reported 98.14% on loan-to-deposit ratio for Q2 2026, 30.52 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.0M |
| 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 | 98.14% |
| Net loans and leases to deposits | 96.57% |
| Loans and leases to core deposits | 145.62% |
| Core deposits to total deposits | 67.40% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 86.25% | 78.07% | $0 | $0 |
| Q4 2023 | 102.31% | 73.78% | $1.8M | $0 |
| Q1 2024 | 91.76% | 76.11% | $0 | $0 |
| Q2 2024 | 97.57% | 69.16% | $0 | $0 |
| Q3 2024 | 86.37% | 68.04% | $0 | $0 |
| Q4 2024 | 88.56% | 68.10% | $0 | $0 |
| Q1 2025 | 82.77% | 72.71% | $0 | $0 |
| Q2 2025 | 86.35% | 77.51% | $0 | $0 |
| Q3 2025 | 86.95% | 71.79% | $0 | $0 |
| Q4 2025 | 99.36% | 73.50% | $0 | $0 |
| Q1 2026 | 99.25% | 69.73% | $0 | $0 |
| Q2 2026 | 98.14% | 67.40% | $0 | $0 |
Sound Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sound Banking Company, 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 Sound Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33183) · FFIEC NIC profile (RSSD 1494482)