State Bank of Southern Utah: 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 Cash and balances due from depository institutions: 27.6% higher than in Q1 2026, at $218.3M. Within Utah, State Bank of Southern Utah is 29th of 44 on loan-to-deposit ratio, 80.32% as of Q2 2026, below the middle of the field. State Bank of Southern Utah reported 80.32% on loan-to-deposit ratio for Q2 2026, 7.88 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $218.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $696.1M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.05% |
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 | 80.32% |
| Net loans and leases to deposits | 79.34% |
| Loans and leases to core deposits | 91.21% |
| Core deposits to total deposits | 88.06% |
| 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 | 71.45% | 90.69% | $3.7M | $195.0M |
| Q4 2023 | 74.99% | 91.86% | $0 | $235.0M |
| Q1 2024 | 73.76% | 91.60% | $0 | $190.0M |
| Q2 2024 | 78.47% | 90.89% | $42.0M | $190.0M |
| Q3 2024 | 78.76% | 89.84% | $0 | $190.0M |
| Q4 2024 | 81.26% | 89.90% | $0 | $135.0M |
| Q1 2025 | 82.77% | 88.19% | $0 | $130.0M |
| Q2 2025 | 81.30% | 88.26% | $0 | $89.0M |
| Q3 2025 | 81.69% | 88.19% | $0 | $0 |
| Q4 2025 | 82.35% | 88.15% | $0 | $0 |
| Q1 2026 | 81.82% | 87.82% | $0 | $0 |
| Q2 2026 | 80.32% | 88.06% | $0 | $0 |
State Bank of Southern Utah 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 Southern Utah, 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 Southern Utah profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17964) · FFIEC NIC profile (RSSD 656470)