Tricentury 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.
Loans and leases to core deposits climbed 8.15 percentage points in Q2 2026, from 140.10% to 148.25%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Tricentury Bank ranks 3rd highest among the 182 banks headquartered in Kansas, at 132.42% (Q2 2026). Tricentury Bank's loan-to-deposit ratio of 132.42% is well above the 80.94% median for banks in the $100M-1B asset tier, a gap of 51.48 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.8M |
| 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 | $55.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 25.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 132.42% |
| Net loans and leases to deposits | 131.04% |
| Loans and leases to core deposits | 148.25% |
| Core deposits to total deposits | 84.60% |
| Brokered deposits to total deposits | 4.72% |
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 | 149.30% | 88.10% | $0 | $46.8M |
| Q4 2023 | 130.26% | 81.45% | $0 | $46.8M |
| Q1 2024 | 122.96% | 82.66% | $0 | $46.8M |
| Q2 2024 | 131.27% | 83.25% | $0 | $56.8M |
| Q3 2024 | 148.82% | 82.57% | $0 | $56.8M |
| Q4 2024 | 145.91% | 82.38% | $0 | $56.8M |
| Q1 2025 | 135.93% | 82.47% | $0 | $56.8M |
| Q2 2025 | 138.28% | 82.02% | $0 | $55.0M |
| Q3 2025 | 144.25% | 80.26% | $0 | $55.0M |
| Q4 2025 | 144.40% | 77.13% | $0 | $55.0M |
| Q1 2026 | 126.12% | 85.28% | $0 | $55.0M |
| Q2 2026 | 132.42% | 84.60% | $0 | $55.0M |
Tricentury Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Tricentury 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 Tricentury Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18109) · FFIEC NIC profile (RSSD 196752)