Stock Exchange 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.
Fed funds sold and reverse repos dropped 100.0% in Q2 2026, from $4.5M to $0. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Stock Exchange Bank is 30th of 182 on loan-to-deposit ratio, 93.25% as of Q2 2026, above the middle of the field. Stock Exchange Bank reported 93.25% on loan-to-deposit ratio for Q2 2026, 25.62 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $11.0M |
| 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 | $500K |
| 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 | 93.25% |
| Net loans and leases to deposits | 92.04% |
| Loans and leases to core deposits | 121.73% |
| Core deposits to total deposits | 76.60% |
| 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 | 87.24% | 83.94% | $0 | $0 |
| Q4 2023 | 94.10% | 80.59% | $2.0M | $0 |
| Q1 2024 | 91.57% | 80.87% | $0 | $0 |
| Q2 2024 | 91.61% | 77.79% | $0 | $0 |
| Q3 2024 | 97.50% | 72.95% | $3.0M | $0 |
| Q4 2024 | 93.35% | 77.84% | $0 | $0 |
| Q1 2025 | 90.04% | 77.29% | $0 | $0 |
| Q2 2025 | 91.02% | 76.26% | $0 | $0 |
| Q3 2025 | 90.08% | 76.39% | $0 | $0 |
| Q4 2025 | 96.39% | 74.30% | $2.5M | $0 |
| Q1 2026 | 87.29% | 75.93% | $0 | $0 |
| Q2 2026 | 93.25% | 76.60% | $500K | $0 |
Stock Exchange Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stock Exchange 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 Stock Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15784) · FFIEC NIC profile (RSSD 671053)