Sunstate 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 Loans and leases to core deposits: 1.60 percentage points lower than in Q1 2026, at 85.22%. Sunstate Bank ranks 57th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 68.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Sunstate Bank sits 12.55 points lower, at 68.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.5M |
| Fed funds sold and reverse repos | $79.9M |
| Fed funds sold and reverse repos to assets | 13.77% |
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 | 68.00% |
| Net loans and leases to deposits | 67.39% |
| Loans and leases to core deposits | 85.22% |
| Core deposits to total deposits | 79.80% |
| 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 | 66.61% | 81.23% | $0 | $30.0M |
| Q4 2023 | 75.17% | 81.37% | $0 | $30.0M |
| Q1 2024 | 71.52% | 81.17% | $0 | $27.0M |
| Q2 2024 | 67.15% | 81.22% | $0 | $27.0M |
| Q3 2024 | 70.76% | 77.31% | $0 | $27.0M |
| Q4 2024 | 67.45% | 75.97% | $0 | $27.0M |
| Q1 2025 | 68.75% | 75.97% | $0 | $27.0M |
| Q2 2025 | 73.82% | 77.34% | $0 | $10.0M |
| Q3 2025 | 68.78% | 78.51% | $0 | $10.0M |
| Q4 2025 | 69.11% | 78.12% | $0 | $10.0M |
| Q1 2026 | 68.78% | 79.23% | $0 | $0 |
| Q2 2026 | 68.00% | 79.80% | $0 | $0 |
Sunstate Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunstate 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 Sunstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34643) · FFIEC NIC profile (RSSD 2791085)