Southwest Missouri 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: 47.3% lower than in Q1 2026, at $1.2M. Within Missouri, Southwest Missouri Bank is 171st of 192 on loan-to-deposit ratio, 61.41% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southwest Missouri Bank sits 26.79 points lower, at 61.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $510.8M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $55.1M |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.41% |
| Net loans and leases to deposits | 60.72% |
| Loans and leases to core deposits | 65.58% |
| Core deposits to total deposits | 93.64% |
| 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 | 56.68% | 95.53% | $33.9M | $25.0M |
| Q4 2023 | 54.78% | 95.45% | $46.5M | $25.0M |
| Q1 2024 | 55.12% | 94.43% | $53.1M | $25.0M |
| Q2 2024 | 56.25% | 94.53% | $56.3M | $0 |
| Q3 2024 | 58.26% | 94.41% | $47.2M | $1.0M |
| Q4 2024 | 56.52% | 94.69% | $48.3M | $1.0M |
| Q1 2025 | 57.87% | 94.28% | $52.5M | $1.0M |
| Q2 2025 | 60.30% | 93.68% | $57.9M | $1.0M |
| Q3 2025 | 61.26% | 93.66% | $53.2M | $1.0M |
| Q4 2025 | 58.86% | 94.08% | $51.5M | $1.0M |
| Q1 2026 | 59.81% | 93.75% | $58.3M | $1.0M |
| Q2 2026 | 61.41% | 93.64% | $55.1M | $1.0M |
Southwest Missouri Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Missouri 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 Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22876) · FFIEC NIC profile (RSSD 760854)