TowneBank: 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 dropped 34.8% in Q2 2026, from $202.8M to $132.2M. It was the largest change from Q1 2026 among the key lines here. Within Virginia, TowneBank is 31st of 56 on loan-to-deposit ratio, 82.24% as of Q2 2026. TowneBank reported 82.24% on loan-to-deposit ratio for Q2 2026, 4.63 points below the 86.87% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.82B |
| Cash and noninterest-bearing balances to assets | 8.03% |
| Cash and securities | $4.88B |
| 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 | $39.0M |
| Other borrowed money | $132.2M |
| Subordinated notes and debentures | $279.1M |
| Other borrowed money to assets | 0.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.24% |
| Net loans and leases to deposits | 81.18% |
| Loans and leases to core deposits | 87.19% |
| Core deposits to total deposits | 91.35% |
| Brokered deposits to total deposits | 2.98% |
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 | 81.05% | 91.26% | $47.3M | $142.1M |
| Q4 2023 | 81.93% | 90.58% | $32.8M | $241.1M |
| Q1 2024 | 81.41% | 90.08% | $31.2M | $41.7M |
| Q2 2024 | 80.91% | 90.41% | $35.4M | $42.3M |
| Q3 2024 | 80.70% | 90.38% | $31.0M | $11.3M |
| Q4 2024 | 80.24% | 91.72% | $33.7M | $11.2M |
| Q1 2025 | 80.09% | 91.46% | $20.9M | $11.1M |
| Q2 2025 | 81.45% | 91.25% | $20.8M | $21.0M |
| Q3 2025 | 81.74% | 91.13% | $25.7M | $58.7M |
| Q4 2025 | 81.25% | 91.51% | $34.8M | $58.1M |
| Q1 2026 | 83.03% | 90.62% | $31.0M | $202.8M |
| Q2 2026 | 82.24% | 91.35% | $39.0M | $132.2M |
TowneBank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock TowneBank, 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 TowneBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35095) · FFIEC NIC profile (RSSD 2797724)