Transact Bank, N.A.: 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.
Loan-to-deposit ratio climbed 2.31 percentage points in Q2 2026, from 41.62% to 43.92%. It was the largest change from Q1 2026 among the key lines here. Transact Bank, N.A. has the 3rd lowest loan-to-deposit ratio of the 63 banks headquartered in Colorado, at 43.92% as of Q2 2026. Transact Bank, N.A. reported 43.92% on loan-to-deposit ratio for Q2 2026, 24.00 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.7M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.92% |
| Net loans and leases to deposits | 43.92% |
| Loans and leases to core deposits | 43.92% |
| Core deposits to total deposits | 100.00% |
| 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 | 25.90% | 97.27% | $0 | $0 |
| Q4 2023 | 43.61% | 95.36% | $0 | $0 |
| Q1 2024 | 48.87% | 100.00% | $0 | $870K |
| Q2 2024 | 49.40% | 100.00% | $0 | $750K |
| Q3 2024 | 50.93% | 93.76% | $0 | $1.0M |
| Q4 2024 | 46.50% | 100.00% | $0 | $0 |
| Q1 2025 | 48.98% | 100.00% | $0 | $0 |
| Q2 2025 | 50.13% | 100.00% | $0 | $0 |
| Q3 2025 | 40.21% | 100.00% | $0 | $0 |
| Q4 2025 | 44.64% | 100.00% | $0 | $0 |
| Q1 2026 | 41.62% | 100.00% | $0 | $0 |
| Q2 2026 | 43.92% | 100.00% | $0 | $0 |
Transact Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Transact Bank, N.A., 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 Transact Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13986) · FFIEC NIC profile (RSSD 403254)