Summit 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 Loan-to-deposit ratio: 4.65 percentage points higher than in Q1 2026, at 99.60%. Summit Bank has the highest loan-to-deposit ratio of the 12 banks headquartered in Oregon, 99.60% as of Q2 2026. Summit Bank reported 99.60% on loan-to-deposit ratio for Q2 2026, 11.40 points above 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 | $125.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $150.4M |
| Fed funds sold and reverse repos | $699K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.0M |
| 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 | 99.60% |
| Net loans and leases to deposits | 98.49% |
| Loans and leases to core deposits | 99.87% |
| Core deposits to total deposits | 95.34% |
| Brokered deposits to total deposits | 4.39% |
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 | 97.75% | 98.35% | $2.0M | $36.5M |
| Q4 2023 | 101.15% | 96.72% | $3.6M | $35.0M |
| Q1 2024 | 96.07% | 88.72% | $1.9M | $0 |
| Q2 2024 | 99.08% | 89.06% | $1.6M | $0 |
| Q3 2024 | 90.69% | 90.57% | $2.0M | $0 |
| Q4 2024 | 94.75% | 92.93% | $1.6M | $0 |
| Q1 2025 | 94.37% | 92.72% | $2.0M | $0 |
| Q2 2025 | 99.81% | 96.20% | $1.8M | $0 |
| Q3 2025 | 96.99% | 96.74% | $1.6M | $0 |
| Q4 2025 | 99.35% | 95.80% | $2.0M | $0 |
| Q1 2026 | 94.95% | 93.75% | $1.9M | $0 |
| Q2 2026 | 99.60% | 95.34% | $2.0M | $0 |
Summit Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit 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 Summit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57706) · FFIEC NIC profile (RSSD 3243282)