Stone 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.
The standout move of Q2 2026 was in Other borrowed money: 10.2% higher than in Q1 2026, at $108.0M. Stone Bank ranks 13th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 98.49% (Q2 2026). Stone Bank reported 98.49% on loan-to-deposit ratio for Q2 2026, 17.93 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.2M |
| Fed funds sold and reverse repos | $352K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $108.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.49% |
| Net loans and leases to deposits | 97.09% |
| Loans and leases to core deposits | 109.10% |
| Core deposits to total deposits | 85.49% |
| Brokered deposits to total deposits | 4.78% |
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 | 99.39% | 78.24% | $0 | $89.0M |
| Q4 2023 | 99.87% | 77.40% | $0 | $98.5M |
| Q1 2024 | 102.56% | 72.63% | $0 | $113.5M |
| Q2 2024 | 102.13% | 77.56% | $0 | $112.5M |
| Q3 2024 | 100.78% | 77.84% | $0 | $102.5M |
| Q4 2024 | 97.93% | 79.75% | $0 | $108.0M |
| Q1 2025 | 101.58% | 81.53% | $0 | $119.0M |
| Q2 2025 | 98.99% | 83.27% | $0 | $108.0M |
| Q3 2025 | 104.36% | 83.80% | $0 | $138.5M |
| Q4 2025 | 98.11% | 83.55% | $0 | $98.0M |
| Q1 2026 | 97.55% | 85.09% | $0 | $98.0M |
| Q2 2026 | 98.49% | 85.49% | $0 | $108.0M |
Stone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stone 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 Stone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17431) · FFIEC NIC profile (RSSD 913146)