Union 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 Loans and leases to core deposits: 5.12 percentage points higher than in Q1 2026, at 109.27%. Among 12 Vermont banks, Union Bank sits 2nd from the top on loan-to-deposit ratio, 102.18% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Union Bank sits 13.98 points higher, at 102.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.0M |
| Cash and noninterest-bearing balances to assets | 2.50% |
| Cash and securities | $346.8M |
| Fed funds sold and reverse repos | $20K |
| 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 | $337.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 21.63% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.18% |
| Net loans and leases to deposits | 101.42% |
| Loans and leases to core deposits | 109.27% |
| Core deposits to total deposits | 89.54% |
| Brokered deposits to total deposits | 3.98% |
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 | 84.01% | 84.14% | $0 | $90.7M |
| Q4 2023 | 78.97% | 85.02% | $0 | $65.7M |
| Q1 2024 | 88.44% | 87.50% | $0 | $150.7M |
| Q2 2024 | 95.94% | 89.36% | $0 | $247.1M |
| Q3 2024 | 95.86% | 88.43% | $0 | $240.7M |
| Q4 2024 | 99.29% | 94.73% | $0 | $259.7M |
| Q1 2025 | 98.49% | 92.08% | $0 | $240.7M |
| Q2 2025 | 100.58% | 88.25% | $0 | $270.7M |
| Q3 2025 | 98.94% | 88.79% | $0 | $270.8M |
| Q4 2025 | 96.98% | 93.49% | $0 | $286.5M |
| Q1 2026 | 98.23% | 91.68% | $0 | $311.0M |
| Q2 2026 | 102.18% | 89.54% | $0 | $337.1M |
Union Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14158) · FFIEC NIC profile (RSSD 333203)