Thumb Bank & Trust: 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 Loans and leases to core deposits: 10.33 percentage points higher than in Q1 2026, at 76.94%. Within Michigan, Thumb Bank & Trust is 54th of 72 on loan-to-deposit ratio, 70.26% as of Q2 2026. Thumb Bank & Trust reported 70.26% on loan-to-deposit ratio for Q2 2026, 10.30 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $209.4M |
| Fed funds sold and reverse repos | $969K |
| Fed funds sold and reverse repos to assets | 0.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.26% |
| Net loans and leases to deposits | 69.51% |
| Loans and leases to core deposits | 76.94% |
| Core deposits to total deposits | 91.32% |
| 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 | 62.07% | 92.58% | $0 | $20.0M |
| Q4 2023 | 59.61% | 91.80% | $0 | $10.0M |
| Q1 2024 | 56.20% | 90.74% | $0 | $0 |
| Q2 2024 | 59.08% | 90.12% | $0 | $0 |
| Q3 2024 | 62.10% | 92.15% | $0 | $0 |
| Q4 2024 | 56.95% | 94.00% | $0 | $0 |
| Q1 2025 | 60.01% | 94.21% | $0 | $0 |
| Q2 2025 | 61.48% | 93.58% | $0 | $0 |
| Q3 2025 | 61.23% | 91.04% | $0 | $0 |
| Q4 2025 | 63.31% | 91.79% | $0 | $0 |
| Q1 2026 | 60.96% | 91.52% | $0 | $0 |
| Q2 2026 | 70.26% | 91.32% | $0 | $10.0M |
Thumb Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Thumb Bank & Trust, 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 Thumb Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14513) · FFIEC NIC profile (RSSD 698649)