Sound Community 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 Other borrowed money: 100.0% lower than in Q1 2026, at $0. Within Washington, Sound Community Bank is 10th of 29 on loan-to-deposit ratio, 95.35% as of Q2 2026, above the middle of the field. Sound Community Bank reported 95.35% on loan-to-deposit ratio for Q2 2026, 7.15 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $120.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $129.5M |
| 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 | 95.35% |
| Net loans and leases to deposits | 94.46% |
| Loans and leases to core deposits | 107.36% |
| Core deposits to total deposits | 88.82% |
| 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 | 101.42% | 89.89% | $0 | $40.0M |
| Q4 2023 | 107.84% | 88.75% | $0 | $40.0M |
| Q1 2024 | 97.34% | 89.81% | $0 | $40.0M |
| Q2 2024 | 97.68% | 90.16% | $0 | $40.0M |
| Q3 2024 | 96.45% | 90.58% | $0 | $40.0M |
| Q4 2024 | 106.99% | 89.20% | $0 | $25.0M |
| Q1 2025 | 96.64% | 89.52% | $0 | $25.0M |
| Q2 2025 | 99.70% | 88.50% | $0 | $25.0M |
| Q3 2025 | 100.17% | 88.56% | $0 | $25.0M |
| Q4 2025 | 94.96% | 88.22% | $0 | $10.0M |
| Q1 2026 | 94.57% | 89.04% | $0 | $10.0M |
| Q2 2026 | 95.35% | 88.82% | $0 | $0 |
Sound Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sound Community 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 Sound Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57451) · FFIEC NIC profile (RSSD 429487)