The 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.
Other borrowed money dropped 70.3% in Q2 2026, from $2.5M to $743K. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, The Tri-County Bank is 116th of 138 on loan-to-deposit ratio, 65.44% as of Q2 2026, below the middle of the field. The Tri-County Bank reported 65.44% on loan-to-deposit ratio for Q2 2026, 15.40 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $101.4M |
| Fed funds sold and reverse repos | $20.0M |
| Fed funds sold and reverse repos to assets | 6.68% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $743K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.44% |
| Net loans and leases to deposits | 64.59% |
| Loans and leases to core deposits | 66.95% |
| Core deposits to total deposits | 91.80% |
| Brokered deposits to total deposits | 6.58% |
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 | 79.54% | 98.24% | $0 | $17.6M |
| Q4 2023 | 76.41% | 88.94% | $5.0M | $5.0M |
| Q1 2024 | 74.89% | 92.60% | $15.0M | $5.0M |
| Q2 2024 | 75.03% | 90.89% | $15.0M | $5.0M |
| Q3 2024 | 75.32% | 91.93% | $15.0M | $5.0M |
| Q4 2024 | 72.87% | 87.38% | $0 | $5.0M |
| Q1 2025 | 74.00% | 92.44% | $0 | $5.0M |
| Q2 2025 | 74.76% | 91.92% | $0 | $12.8M |
| Q3 2025 | 71.02% | 91.09% | $0 | $2.5M |
| Q4 2025 | 68.81% | 84.97% | $0 | $2.5M |
| Q1 2026 | 69.20% | 89.51% | $0 | $2.5M |
| Q2 2026 | 65.44% | 91.80% | $0 | $743K |
The 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 The 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 The Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16339) · FFIEC NIC profile (RSSD 657954)