Unified 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.
Cash and balances due from depository institutions climbed 66.6% in Q2 2026, from $27.5M to $45.8M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Unified Bank is 116th of 156 on loan-to-deposit ratio, 70.69% as of Q2 2026, below the middle of the field. Unified Bank reported 70.69% on loan-to-deposit ratio for Q2 2026, 10.15 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $45.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $286.9M |
| 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 | $29.4M |
| Other borrowed money | $55.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.31% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.69% |
| Net loans and leases to deposits | 70.07% |
| Loans and leases to core deposits | 75.91% |
| Core deposits to total deposits | 93.13% |
| 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 | 72.96% | 94.74% | $28.6M | $75.0M |
| Q4 2023 | 76.30% | 94.06% | $26.8M | $75.0M |
| Q1 2024 | 75.33% | 94.07% | $37.8M | $75.0M |
| Q2 2024 | 76.23% | 94.63% | $30.4M | $75.0M |
| Q3 2024 | 75.50% | 94.12% | $36.1M | $75.0M |
| Q4 2024 | 78.20% | 94.28% | $30.5M | $75.0M |
| Q1 2025 | 77.93% | 93.53% | $37.6M | $75.0M |
| Q2 2025 | 76.18% | 93.41% | $35.6M | $75.0M |
| Q3 2025 | 75.06% | 93.33% | $45.5M | $75.0M |
| Q4 2025 | 74.77% | 93.69% | $29.4M | $75.0M |
| Q1 2026 | 73.40% | 93.44% | $35.6M | $55.0M |
| Q2 2026 | 70.69% | 93.13% | $29.4M | $55.0M |
Unified Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Unified 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 Unified Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9463) · FFIEC NIC profile (RSSD 584724)