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 Fed funds sold and reverse repos: 60.5% lower than in Q1 2026, at $1.5M. Town & Country Bank ranks 122nd of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 78.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Town & Country Bank sits 2.48 points lower, at 78.35% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.5M |
| Cash and noninterest-bearing balances to assets | 4.54% |
| Cash and securities | $223.0M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $17.7M |
| Other borrowed money | $2.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.28% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.35% |
| Net loans and leases to deposits | 77.29% |
| Loans and leases to core deposits | 82.06% |
| Core deposits to total deposits | 95.49% |
| 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 | 74.99% | 97.29% | $26.4M | $0 |
| Q4 2023 | 75.87% | 96.87% | $26.0M | $147K |
| Q1 2024 | 72.37% | 96.46% | $30.7M | $140K |
| Q2 2024 | 73.86% | 96.33% | $25.6M | $132K |
| Q3 2024 | 74.22% | 96.16% | $26.2M | $125K |
| Q4 2024 | 76.40% | 95.89% | $22.7M | $117K |
| Q1 2025 | 73.96% | 95.46% | $28.1M | $110K |
| Q2 2025 | 73.92% | 95.89% | $26.7M | $102K |
| Q3 2025 | 77.65% | 95.39% | $25.2M | $95K |
| Q4 2025 | 79.17% | 95.43% | $15.6M | $2.1M |
| Q1 2026 | 75.12% | 95.45% | $17.9M | $2.1M |
| Q2 2026 | 78.35% | 95.49% | $17.7M | $2.1M |
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 13071) · FFIEC NIC profile (RSSD 487357)