Town & Country 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 Loans and leases to core deposits: 16.52 percentage points higher than in Q1 2026, at 122.05%. Within Nevada, Town & Country Bank is 4th of 14 on loan-to-deposit ratio, 103.12% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Town & Country Bank sits 22.29 points higher, at 103.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.5M |
| Fed funds sold and reverse repos | $207K |
| Fed funds sold and reverse repos to assets | 0.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.12% |
| Net loans and leases to deposits | 101.72% |
| Loans and leases to core deposits | 122.05% |
| Core deposits to total deposits | 81.70% |
| Brokered deposits to total deposits | 2.80% |
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 | 77.29% | 95.02% | $0 | $0 |
| Q4 2023 | 74.81% | 94.84% | $0 | $0 |
| Q1 2024 | 83.68% | 94.59% | $0 | $0 |
| Q2 2024 | 95.05% | 93.43% | $0 | $7.0M |
| Q3 2024 | 89.86% | 92.82% | $0 | $0 |
| Q4 2024 | 94.77% | 91.72% | $0 | $5.0M |
| Q1 2025 | 90.67% | 87.14% | $0 | $0 |
| Q2 2025 | 87.44% | 86.51% | $0 | $0 |
| Q3 2025 | 92.25% | 84.58% | $0 | $0 |
| Q4 2025 | 81.75% | 83.87% | $0 | $0 |
| Q1 2026 | 90.56% | 82.75% | $0 | $0 |
| Q2 2026 | 103.12% | 81.70% | $0 | $5.0M |
Town & Country Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Town & Country 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 Town & Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57312) · FFIEC NIC profile (RSSD 3067929)