Tri-County 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: 96.8% lower than in Q1 2026, at $110K. Tri-County Bank ranks 19th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 94.34% (Q2 2026). Tri-County Bank reported 94.34% on loan-to-deposit ratio for Q2 2026, 13.78 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | 1.51% |
| Cash and securities | $100.7M |
| Fed funds sold and reverse repos | $110K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.34% |
| Net loans and leases to deposits | 93.32% |
| Loans and leases to core deposits | 98.45% |
| Core deposits to total deposits | 95.82% |
| 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 | 83.89% | 96.75% | $0 | $39.5M |
| Q4 2023 | 83.61% | 96.27% | $0 | $34.5M |
| Q1 2024 | 85.65% | 96.24% | $0 | $35.0M |
| Q2 2024 | 86.16% | 97.28% | $25K | $34.5M |
| Q3 2024 | 86.09% | 96.46% | $0 | $23.0M |
| Q4 2024 | 86.68% | 96.20% | $190K | $15.5M |
| Q1 2025 | 84.50% | 95.93% | $0 | $10.0M |
| Q2 2025 | 87.70% | 95.56% | $0 | $10.5M |
| Q3 2025 | 89.12% | 95.55% | $0 | $10.0M |
| Q4 2025 | 91.44% | 95.66% | $0 | $10.0M |
| Q1 2026 | 90.34% | 96.07% | $0 | $10.0M |
| Q2 2026 | 94.34% | 95.82% | $0 | $10.0M |
Tri-County Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri-County 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 Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 977) · FFIEC NIC profile (RSSD 695349)