Tbo 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.
Loans and leases to core deposits climbed 16.81 percentage points in Q2 2026, from 78.12% to 94.92%. It was the largest change from Q1 2026 among the key lines here. Tbo Bank ranks 66th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 91.33% (Q2 2026). Tbo Bank reported 91.33% on loan-to-deposit ratio for Q2 2026, 10.50 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.3M |
| 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 | $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 | 91.33% |
| Net loans and leases to deposits | 88.19% |
| Loans and leases to core deposits | 94.92% |
| Core deposits to total deposits | 93.37% |
| Brokered deposits to total deposits | 2.85% |
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 | 70.47% | 98.00% | $0 | $0 |
| Q4 2023 | 75.62% | 98.53% | $0 | $1.9M |
| Q1 2024 | 75.92% | 93.92% | $0 | $0 |
| Q2 2024 | 77.25% | 94.25% | $0 | $0 |
| Q3 2024 | 87.96% | 94.25% | $0 | $3.1M |
| Q4 2024 | 80.57% | 94.98% | $0 | $0 |
| Q1 2025 | 68.22% | 95.64% | $0 | $0 |
| Q2 2025 | 75.05% | 96.60% | $0 | $0 |
| Q3 2025 | 86.27% | 96.11% | $0 | $0 |
| Q4 2025 | 85.61% | 94.08% | $0 | $0 |
| Q1 2026 | 75.72% | 94.37% | $0 | $0 |
| Q2 2026 | 91.33% | 93.37% | $0 | $0 |
Tbo Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tbo 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 Tbo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10597) · FFIEC NIC profile (RSSD 1003950)