Southwest Heritage 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 Fed funds sold and reverse repos: 432.7% higher than in Q1 2026, at $5.5M. Southwest Heritage Bank ranks 6th of 12 Arizona banks on loan-to-deposit ratio, in the upper half at 93.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Southwest Heritage Bank sits 13.00 points higher, at 93.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $143.3M |
| Fed funds sold and reverse repos | $5.5M |
| Fed funds sold and reverse repos to assets | 0.62% |
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 | 93.84% |
| Net loans and leases to deposits | 92.69% |
| Loans and leases to core deposits | 101.07% |
| Core deposits to total deposits | 92.51% |
| Brokered deposits to total deposits | 0.34% |
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 | 98.45% | 85.83% | $0 | $19.6M |
| Q4 2023 | 95.34% | 86.77% | $0 | $30.5M |
| Q1 2024 | 91.09% | 89.68% | $0 | $50.5M |
| Q2 2024 | 94.96% | 88.91% | $1.7M | $28.5M |
| Q3 2024 | 89.09% | 88.51% | $0 | $28.5M |
| Q4 2024 | 84.82% | 88.55% | $0 | $1.5M |
| Q1 2025 | 82.70% | 89.64% | $0 | $1.5M |
| Q2 2025 | 84.73% | 89.23% | $0 | $1.5M |
| Q3 2025 | 90.52% | 88.79% | $0 | $0 |
| Q4 2025 | 93.41% | 90.40% | $0 | $0 |
| Q1 2026 | 90.19% | 92.71% | $0 | $0 |
| Q2 2026 | 93.84% | 92.51% | $0 | $0 |
Southwest Heritage Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Heritage 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 Southwest Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29087) · FFIEC NIC profile (RSSD 955977)