Southern 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: 24.2% higher than in Q1 2026, at $130.4M. Within Missouri, Southern Bank is 24th of 192 on loan-to-deposit ratio, 99.37% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southern Bank sits 11.17 points higher, at 99.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $506.3M |
| Fed funds sold and reverse repos | $35.4M |
| Fed funds sold and reverse repos to assets | 0.68% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $20.0M |
| Other borrowed money | $130.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.37% |
| Net loans and leases to deposits | 98.13% |
| Loans and leases to core deposits | 108.85% |
| Core deposits to total deposits | 84.72% |
| Brokered deposits to total deposits | 6.57% |
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 | 95.95% | 87.46% | $0 | $114.0M |
| Q4 2023 | 93.05% | 87.62% | $0 | $113.0M |
| Q1 2024 | 93.99% | 87.88% | $0 | $102.0M |
| Q2 2024 | 97.29% | 88.36% | $9.4M | $102.0M |
| Q3 2024 | 97.81% | 85.23% | $15.0M | $107.1M |
| Q4 2024 | 95.27% | 85.77% | $15.0M | $107.1M |
| Q1 2025 | 94.05% | 85.80% | $15.0M | $104.1M |
| Q2 2025 | 95.38% | 85.74% | $15.0M | $104.1M |
| Q3 2025 | 97.49% | 86.18% | $20.0M | $102.0M |
| Q4 2025 | 97.84% | 87.17% | $20.0M | $102.0M |
| Q1 2026 | 99.26% | 86.38% | $20.0M | $105.0M |
| Q2 2026 | 99.37% | 84.72% | $20.0M | $130.4M |
Southern Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28332) · FFIEC NIC profile (RSSD 272272)