State Bank of Scotia: 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: 1.67 percentage points lower than in Q1 2026, at 57.38%. State Bank of Scotia has the 13th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 55.27% as of Q2 2026. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. State Bank of Scotia sits 12.66 points lower, at 55.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.0M |
| 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 | 55.27% |
| Net loans and leases to deposits | 53.69% |
| Loans and leases to core deposits | 57.38% |
| Core deposits to total deposits | 96.31% |
| 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 | 76.29% | 98.57% | $0 | $0 |
| Q4 2023 | 73.06% | 98.59% | $0 | $0 |
| Q1 2024 | 69.30% | 98.62% | $0 | $0 |
| Q2 2024 | 74.97% | 99.06% | $0 | $0 |
| Q3 2024 | 73.43% | 99.07% | $0 | $0 |
| Q4 2024 | 72.29% | 99.02% | $0 | $0 |
| Q1 2025 | 64.26% | 98.61% | $0 | $0 |
| Q2 2025 | 60.49% | 98.09% | $0 | $0 |
| Q3 2025 | 65.64% | 96.23% | $0 | $0 |
| Q4 2025 | 64.41% | 96.09% | $0 | $0 |
| Q1 2026 | 56.61% | 95.86% | $0 | $0 |
| Q2 2026 | 55.27% | 96.31% | $0 | $0 |
State Bank of Scotia 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 Scotia, 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 Scotia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14069) · FFIEC NIC profile (RSSD 926650)