State Bank of Missouri: 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 Loans and leases to core deposits: 3.87 percentage points higher than in Q1 2026, at 69.64%. Within Missouri, State Bank of Missouri is 161st of 192 on loan-to-deposit ratio, 67.87% as of Q2 2026, below the middle of the field. State Bank of Missouri reported 67.87% on loan-to-deposit ratio for Q2 2026, 12.97 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.6M |
| 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 | 67.87% |
| Net loans and leases to deposits | 67.11% |
| Loans and leases to core deposits | 69.64% |
| Core deposits to total deposits | 97.46% |
| 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 | 58.05% | 98.09% | $0 | $0 |
| Q4 2023 | 58.38% | 97.22% | $0 | $0 |
| Q1 2024 | 56.49% | 96.46% | $0 | $0 |
| Q2 2024 | 58.26% | 96.31% | $0 | $0 |
| Q3 2024 | 58.06% | 96.72% | $0 | $0 |
| Q4 2024 | 60.34% | 96.49% | $0 | $0 |
| Q1 2025 | 58.64% | 96.43% | $0 | $0 |
| Q2 2025 | 61.13% | 96.81% | $0 | $0 |
| Q3 2025 | 62.93% | 96.97% | $0 | $0 |
| Q4 2025 | 64.07% | 97.14% | $0 | $0 |
| Q1 2026 | 64.17% | 97.57% | $0 | $0 |
| Q2 2026 | 67.87% | 97.46% | $0 | $0 |
State Bank of Missouri liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Missouri, 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 State Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10623) · FFIEC NIC profile (RSSD 565844)