St. Landry Bank and Trust 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.
Cash and balances due from depository institutions dropped 13.9% in Q2 2026, from $35.8M to $30.8M. It was the largest change from Q1 2026 among the key lines here. St. Landry Bank and Trust Company has the 3rd lowest loan-to-deposit ratio of the 103 banks headquartered in Louisiana, at 30.73% as of Q2 2026. St. Landry Bank and Trust Company's loan-to-deposit ratio of 30.73% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 50.22 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $208.7M |
| 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 | 30.73% |
| Net loans and leases to deposits | 29.94% |
| Loans and leases to core deposits | 33.39% |
| Core deposits to total deposits | 92.04% |
| 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 | 23.12% | 94.39% | $10.0M | $0 |
| Q4 2023 | 22.82% | 93.72% | $0 | $10.0M |
| Q1 2024 | 22.16% | 93.98% | $0 | $10.0M |
| Q2 2024 | 24.21% | 93.56% | $0 | $10.0M |
| Q3 2024 | 25.71% | 92.87% | $0 | $10.0M |
| Q4 2024 | 25.57% | 91.91% | $0 | $0 |
| Q1 2025 | 25.88% | 91.69% | $0 | $0 |
| Q2 2025 | 28.57% | 92.30% | $0 | $0 |
| Q3 2025 | 30.84% | 90.74% | $0 | $0 |
| Q4 2025 | 28.78% | 91.12% | $0 | $0 |
| Q1 2026 | 29.85% | 91.59% | $0 | $0 |
| Q2 2026 | 30.73% | 92.04% | $0 | $0 |
St. Landry Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Landry Bank and Trust 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 St. Landry Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8534) · FFIEC NIC profile (RSSD 885430)