Today's 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.
Other borrowed money climbed 15.0% in Q2 2026, from $20.0M to $23.0M. It was the largest change from Q1 2026 among the key lines here. Today's Bank ranks 45th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 83.81% (Q2 2026). Today's Bank reported 83.81% on loan-to-deposit ratio for Q2 2026, 2.97 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 | $19.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.9M |
| 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 | $23.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.81% |
| Net loans and leases to deposits | 82.79% |
| Loans and leases to core deposits | 95.15% |
| Core deposits to total deposits | 88.09% |
| 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 | 85.51% | 88.55% | $0 | $24.4M |
| Q4 2023 | 84.19% | 90.72% | $0 | $23.4M |
| Q1 2024 | 87.93% | 88.94% | $0 | $23.4M |
| Q2 2024 | 85.31% | 89.05% | $0 | $21.4M |
| Q3 2024 | 83.92% | 89.50% | $0 | $21.4M |
| Q4 2024 | 83.48% | 87.85% | $0 | $18.4M |
| Q1 2025 | 80.59% | 86.30% | $0 | $18.4M |
| Q2 2025 | 76.31% | 86.72% | $0 | $15.0M |
| Q3 2025 | 77.17% | 88.77% | $0 | $15.0M |
| Q4 2025 | 78.12% | 88.99% | $0 | $17.0M |
| Q1 2026 | 82.55% | 87.97% | $0 | $20.0M |
| Q2 2026 | 83.81% | 88.09% | $0 | $23.0M |
Today's Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Today's 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 Today's Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33470) · FFIEC NIC profile (RSSD 1879016)