Sunwest 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: 57.3% higher than in Q1 2026, at $565.3M. Sunwest Bank ranks 14th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 103.69% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Sunwest Bank sits 15.49 points higher, at 103.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $125.3M |
| Cash and noninterest-bearing balances to assets | 2.84% |
| Cash and securities | $754.4M |
| 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 | $0 |
| Other borrowed money | $565.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.69% |
| Net loans and leases to deposits | 101.85% |
| Loans and leases to core deposits | 104.03% |
| Core deposits to total deposits | 95.04% |
| Brokered deposits to total deposits | 4.63% |
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 | 82.26% | 95.58% | $0 | $205.6M |
| Q4 2023 | 84.27% | 95.61% | $0 | $120.6M |
| Q1 2024 | 93.52% | 95.68% | $0 | $360.9M |
| Q2 2024 | 98.78% | 95.84% | $0 | $482.9M |
| Q3 2024 | 101.75% | 95.19% | $0 | $431.9M |
| Q4 2024 | 99.87% | 95.91% | $0 | $292.3M |
| Q1 2025 | 97.79% | 96.10% | $0 | $218.3M |
| Q2 2025 | 97.27% | 96.40% | $0 | $175.3M |
| Q3 2025 | 95.37% | 96.75% | $0 | $133.3M |
| Q4 2025 | 105.02% | 96.78% | $0 | $484.3M |
| Q1 2026 | 100.31% | 94.61% | $0 | $359.3M |
| Q2 2026 | 103.69% | 95.04% | $0 | $565.3M |
Sunwest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunwest 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 Sunwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20164) · FFIEC NIC profile (RSSD 140362)