Stockmens 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 purchased and repos climbed 12.8% in Q2 2026, from $1.5M to $1.7M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Stockmens Bank is 10th of 63 on loan-to-deposit ratio, 98.08% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Stockmens Bank sits 17.14 points higher, at 98.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.3M |
| 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 | $1.7M |
| Other borrowed money | $7.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.08% |
| Net loans and leases to deposits | 96.55% |
| Loans and leases to core deposits | 105.69% |
| Core deposits to total deposits | 92.80% |
| 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 | 92.90% | 97.34% | $774K | $11.0M |
| Q4 2023 | 89.91% | 96.18% | $836K | $11.0M |
| Q1 2024 | 87.48% | 95.89% | $1.4M | $0 |
| Q2 2024 | 95.70% | 95.38% | $1.6M | $0 |
| Q3 2024 | 94.69% | 95.73% | $2.0M | $0 |
| Q4 2024 | 90.66% | 95.84% | $1.1M | $0 |
| Q1 2025 | 94.23% | 94.34% | $1.3M | $0 |
| Q2 2025 | 95.91% | 93.17% | $1.1M | $7.5M |
| Q3 2025 | 95.63% | 92.12% | $1.1M | $7.5M |
| Q4 2025 | 104.47% | 92.12% | $1.2M | $7.5M |
| Q1 2026 | 99.16% | 92.97% | $1.5M | $7.5M |
| Q2 2026 | 98.08% | 92.80% | $1.7M | $7.5M |
Stockmens Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockmens 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 Stockmens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8321) · FFIEC NIC profile (RSSD 982553)