Unibank: 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 5.15 percentage points in Q2 2026, from 97.78% to 102.93%. It was the largest change from Q1 2026 among the key lines here. Unibank ranks 21st of 29 Washington banks on loan-to-deposit ratio, in the lower half at 83.95% (Q2 2026). Unibank reported 83.95% on loan-to-deposit ratio for Q2 2026, 3.39 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $51.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $113.3M |
| 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 | $40.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.95% |
| Net loans and leases to deposits | 83.04% |
| Loans and leases to core deposits | 102.93% |
| Core deposits to total deposits | 61.53% |
| Brokered deposits to total deposits | 20.02% |
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 | 92.32% | 78.21% | $0 | $8.0M |
| Q4 2023 | 95.36% | 76.63% | $0 | $20.0M |
| Q1 2024 | 100.46% | 74.16% | $0 | $52.0M |
| Q2 2024 | 101.60% | 74.55% | $0 | $54.0M |
| Q3 2024 | 91.89% | 70.06% | $0 | $50.0M |
| Q4 2024 | 89.97% | 70.07% | $0 | $50.0M |
| Q1 2025 | 95.52% | 65.53% | $0 | $29.0M |
| Q2 2025 | 88.58% | 63.53% | $0 | $20.0M |
| Q3 2025 | 87.34% | 65.98% | $0 | $20.0M |
| Q4 2025 | 84.67% | 64.53% | $0 | $40.0M |
| Q1 2026 | 80.34% | 62.63% | $0 | $40.0M |
| Q2 2026 | 83.95% | 61.53% | $0 | $40.0M |
Unibank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank, 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 Unibank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58407) · FFIEC NIC profile (RSSD 3487947)