Terrabank, N.A.: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Terrabank, N.A. reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $115.2M in Q3 2026, up 47.0% from $78.4M in Q3 2025. That is 11.9% of its total assets. Across the 12 quarters shown it ranged from $8.2M (Q4 2023) to $115.2M (Q3 2026).
What the liquidity and borrowings page covers and where each line comes from.
Open the full liquidity and funding analysis: liquid assets and unrealized securities losses, loans against deposits, the uninsured, brokered and borrowed share of funding, the cost of funds and capital headroom, by quarter with asset-tier medians.
Cash and balances due from depository institutions climbed 52.7% in Q3 2026, from $75.5M to $115.2M. It was the largest change from Q2 2026 among the key lines here. Terrabank, N.A. ranks 45th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 75.98% (Q3 2026). The median for banks in the $100M-1B asset tier is 81.45% on loan-to-deposit ratio. Terrabank, N.A. sits 5.47 points lower, at 75.98% (Q3 2026).
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $115.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $268.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Borrowed funds
| Line item | Q3 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 |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 75.98% |
| Net loans and leases to deposits | 75.00% |
| Loans and leases to core deposits | 87.26% |
| Core deposits to total deposits | 86.07% |
| Brokered deposits to total deposits | 3.39% |
Source: Call Report Schedules RC and RC-M. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 74.88% | 84.97% | $0 | $27.0M |
| Q1 2024 | 74.42% | 83.78% | $0 | $25.0M |
| Q2 2024 | 73.78% | 83.85% | $0 | $20.0M |
| Q3 2024 | 71.79% | 83.18% | $0 | $15.0M |
| Q4 2024 | 72.28% | 83.20% | $0 | $0 |
| Q1 2025 | 68.41% | 84.50% | $0 | $0 |
| Q2 2025 | 70.72% | 85.63% | $0 | $0 |
| Q3 2025 | 71.82% | 86.48% | $0 | $0 |
| Q4 2025 | 73.53% | 87.05% | $0 | $0 |
| Q1 2026 | 74.99% | 86.12% | $0 | $0 |
| Q2 2026 | 76.48% | 86.80% | $0 | $0 |
| Q3 2026 | 75.98% | 86.07% | $0 | $0 |
Terrabank, N.A. liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. How these pages are built. See the full Terrabank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26442) · FFIEC NIC profile (RSSD 238737)