Traditions 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: 5.88 percentage points higher than in Q1 2026, at 113.71%. On loan-to-deposit ratio, Traditions Bank ranks 9th highest among the 93 banks headquartered in Alabama, at 95.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Traditions Bank sits 15.08 points higher, at 95.92% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $103.6M |
| Cash and noninterest-bearing balances to assets | 11.63% |
| Cash and securities | $131.2M |
| 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 | $17.0M |
| Other borrowed money | $15.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.92% |
| Net loans and leases to deposits | 94.70% |
| Loans and leases to core deposits | 113.71% |
| Core deposits to total deposits | 81.17% |
| Brokered deposits to total deposits | 3.17% |
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 | 92.94% | 82.19% | $0 | $21.5M |
| Q4 2023 | 94.30% | 81.32% | $0 | $21.5M |
| Q1 2024 | 93.04% | 79.86% | $0 | $21.5M |
| Q2 2024 | 90.59% | 79.22% | $0 | $21.5M |
| Q3 2024 | 88.85% | 78.77% | $0 | $21.5M |
| Q4 2024 | 90.46% | 78.35% | $0 | $21.5M |
| Q1 2025 | 89.23% | 80.39% | $0 | $15.5M |
| Q2 2025 | 91.47% | 80.35% | $0 | $15.5M |
| Q3 2025 | 92.19% | 80.61% | $0 | $15.5M |
| Q4 2025 | 93.77% | 79.88% | $0 | $15.5M |
| Q1 2026 | 91.22% | 81.43% | $0 | $15.5M |
| Q2 2026 | 95.92% | 81.17% | $17.0M | $15.5M |
Traditions Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditions 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 Traditions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57554) · FFIEC NIC profile (RSSD 3194692)