Thayer County 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 Fed funds sold and reverse repos: 55.4% higher than in Q1 2026, at $2.7M. Thayer County Bank ranks 102nd of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 77.07% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Thayer County Bank sits 9.75 points higher, at 77.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.0M |
| Fed funds sold and reverse repos | $2.7M |
| Fed funds sold and reverse repos to assets | 3.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $11.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.07% |
| Net loans and leases to deposits | 76.04% |
| Loans and leases to core deposits | 80.66% |
| Core deposits to total deposits | 95.55% |
| 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 | 84.86% | 92.98% | $0 | $11.6M |
| Q4 2023 | 82.16% | 92.20% | $0 | $11.4M |
| Q1 2024 | 83.18% | 91.94% | $0 | $11.2M |
| Q2 2024 | 83.59% | 92.97% | $0 | $11.0M |
| Q3 2024 | 84.63% | 93.59% | $0 | $11.0M |
| Q4 2024 | 82.51% | 93.71% | $0 | $10.7M |
| Q1 2025 | 77.62% | 93.48% | $0 | $10.5M |
| Q2 2025 | 76.12% | 93.44% | $0 | $10.4M |
| Q3 2025 | 79.46% | 93.29% | $0 | $10.3M |
| Q4 2025 | 76.46% | 94.02% | $0 | $12.0M |
| Q1 2026 | 80.48% | 95.81% | $0 | $11.8M |
| Q2 2026 | 77.07% | 95.55% | $0 | $11.7M |
Thayer County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Thayer County 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 Thayer County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11475) · FFIEC NIC profile (RSSD 157155)