Triad Business 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 Other borrowed money: 91.1% lower than in Q1 2026, at $4.0M. Within North Carolina, Triad Business Bank is 17th of 38 on loan-to-deposit ratio, 86.14% as of Q2 2026, above the middle of the field. Triad Business Bank reported 86.14% on loan-to-deposit ratio for Q2 2026, 5.30 points above 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 | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.8M |
| 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 | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.75% |
| Trading liabilities | $78K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.14% |
| Net loans and leases to deposits | 85.41% |
| Loans and leases to core deposits | 89.89% |
| Core deposits to total deposits | 63.42% |
| Brokered deposits to total deposits | 32.41% |
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 | 72.77% | 69.63% | $0 | $9.0M |
| Q4 2023 | 72.57% | 66.11% | $0 | $9.0M |
| Q1 2024 | 75.21% | 62.76% | $0 | $9.0M |
| Q2 2024 | 81.76% | 63.56% | $0 | $30.0M |
| Q3 2024 | 77.85% | 65.23% | $0 | $9.0M |
| Q4 2024 | 82.05% | 65.49% | $0 | $24.0M |
| Q1 2025 | 82.53% | 63.15% | $0 | $19.0M |
| Q2 2025 | 82.03% | 64.91% | $0 | $9.0M |
| Q3 2025 | 87.06% | 63.76% | $0 | $19.0M |
| Q4 2025 | 85.65% | 64.81% | $0 | $9.0M |
| Q1 2026 | 93.29% | 62.41% | $0 | $45.0M |
| Q2 2026 | 86.14% | 63.42% | $0 | $4.0M |
Triad Business Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Triad Business 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 Triad Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59188) · FFIEC NIC profile (RSSD 5398627)