Superior National 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 Cash and balances due from depository institutions: 38.3% lower than in Q1 2026, at $57.3M. Superior National Bank ranks 44th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 77.06% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Superior National Bank sits 11.15 points lower, at 77.06% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $305.9M |
| Fed funds sold and reverse repos | $744K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.06% |
| Net loans and leases to deposits | 76.13% |
| Loans and leases to core deposits | 83.97% |
| Core deposits to total deposits | 91.77% |
| 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 | 75.03% | 88.22% | $0 | $45.0M |
| Q4 2023 | 77.50% | 87.10% | $0 | $45.0M |
| Q1 2024 | 78.75% | 88.38% | $5K | $60.0M |
| Q2 2024 | 80.88% | 90.06% | $0 | $70.0M |
| Q3 2024 | 78.17% | 90.01% | $0 | $70.0M |
| Q4 2024 | 78.79% | 89.65% | $0 | $40.0M |
| Q1 2025 | 77.65% | 90.27% | $0 | $40.0M |
| Q2 2025 | 80.56% | 90.94% | $0 | $40.0M |
| Q3 2025 | 76.78% | 91.40% | $0 | $40.0M |
| Q4 2025 | 75.95% | 91.07% | $0 | $40.0M |
| Q1 2026 | 74.39% | 91.74% | $0 | $40.0M |
| Q2 2026 | 77.06% | 91.77% | $0 | $30.0M |
Superior National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Superior National 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 Superior National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5058) · FFIEC NIC profile (RSSD 245557)