Trustar 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 7.76 percentage points in Q2 2026, from 101.25% to 109.01%. It was the largest change from Q1 2026 among the key lines here. Trustar Bank ranks 7th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 97.91% (Q2 2026). Trustar Bank reported 97.91% on loan-to-deposit ratio for Q2 2026, 9.71 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $54.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $182.5M |
| 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 | 4.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.91% |
| Net loans and leases to deposits | 96.87% |
| Loans and leases to core deposits | 109.01% |
| Core deposits to total deposits | 85.45% |
| Brokered deposits to total deposits | 4.37% |
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 | 98.18% | 78.63% | $0 | $71.0M |
| Q4 2023 | 93.68% | 73.40% | $0 | $75.0M |
| Q1 2024 | 95.68% | 76.06% | $0 | $60.0M |
| Q2 2024 | 95.42% | 75.43% | $0 | $55.0M |
| Q3 2024 | 96.43% | 78.00% | $0 | $55.0M |
| Q4 2024 | 95.88% | 79.73% | $0 | $55.0M |
| Q1 2025 | 92.62% | 80.27% | $0 | $55.0M |
| Q2 2025 | 94.46% | 82.33% | $0 | $55.0M |
| Q3 2025 | 96.59% | 84.15% | $0 | $55.0M |
| Q4 2025 | 88.26% | 87.38% | $0 | $55.0M |
| Q1 2026 | 92.18% | 84.37% | $0 | $55.0M |
| Q2 2026 | 97.91% | 85.45% | $0 | $55.0M |
Trustar Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Trustar 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 Trustar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59183) · FFIEC NIC profile (RSSD 5349218)