Unico 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.
Other borrowed money dropped 100.0% in Q2 2026, from $2.0M to $0. It was the largest change from Q1 2026 among the key lines here. Unico Bank ranks 76th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 89.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Unico Bank sits 8.36 points higher, at 89.20% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.1M |
| Fed funds sold and reverse repos | $4.0M |
| Fed funds sold and reverse repos to assets | 0.80% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.20% |
| Net loans and leases to deposits | 88.19% |
| Loans and leases to core deposits | 96.77% |
| Core deposits to total deposits | 92.18% |
| 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 | 95.30% | 92.68% | $0 | $11.6M |
| Q4 2023 | 94.35% | 93.08% | $0 | $6.9M |
| Q1 2024 | 93.47% | 92.75% | $0 | $0 |
| Q2 2024 | 95.68% | 92.36% | $0 | $9.6M |
| Q3 2024 | 94.06% | 92.27% | $0 | $0 |
| Q4 2024 | 89.44% | 92.09% | $0 | $0 |
| Q1 2025 | 86.78% | 92.67% | $0 | $0 |
| Q2 2025 | 88.13% | 92.45% | $0 | $0 |
| Q3 2025 | 90.91% | 92.30% | $0 | $3.9M |
| Q4 2025 | 89.77% | 92.44% | $0 | $150K |
| Q1 2026 | 90.64% | 92.60% | $0 | $2.0M |
| Q2 2026 | 89.20% | 92.18% | $0 | $0 |
Unico Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Unico 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 Unico Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10608) · FFIEC NIC profile (RSSD 975153)