Trupoint 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 Cash and balances due from depository institutions: 18.2% lower than in Q1 2026, at $49.0M. Trupoint Bank ranks 36th of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 78.60% (Q2 2026). At 78.60%, Trupoint Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $49.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $179.6M |
| 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 | $17.5M |
| Other borrowed money | $5.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.60% |
| Net loans and leases to deposits | 77.67% |
| Loans and leases to core deposits | 84.95% |
| Core deposits to total deposits | 92.52% |
| 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 | 72.17% | 94.08% | $6.0M | $15.0M |
| Q4 2023 | 68.51% | 91.82% | $5.6M | $15.0M |
| Q1 2024 | 72.93% | 90.76% | $5.7M | $15.0M |
| Q2 2024 | 73.59% | 90.59% | $6.5M | $15.0M |
| Q3 2024 | 72.15% | 93.19% | $7.1M | $10.0M |
| Q4 2024 | 73.33% | 93.52% | $5.6M | $10.0M |
| Q1 2025 | 73.75% | 93.59% | $7.4M | $10.0M |
| Q2 2025 | 74.22% | 93.39% | $6.7M | $10.0M |
| Q3 2025 | 74.31% | 93.39% | $7.8M | $5.0M |
| Q4 2025 | 73.04% | 92.34% | $13.8M | $5.4M |
| Q1 2026 | 76.88% | 92.47% | $16.3M | $5.4M |
| Q2 2026 | 78.60% | 92.52% | $17.5M | $5.4M |
Trupoint Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Trupoint 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 Trupoint Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21883) · FFIEC NIC profile (RSSD 274829)