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 Fed funds sold and reverse repos: 667.5% higher than in Q1 2026, at $10.3M. Within Michigan, Union Bank is 8th of 72 on loan-to-deposit ratio, 101.88% as of Q2 2026. Union Bank reported 101.88% on loan-to-deposit ratio for Q2 2026, 21.33 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 | $23.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.7M |
| Fed funds sold and reverse repos | $10.3M |
| Fed funds sold and reverse repos to assets | 2.60% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $39.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.88% |
| Net loans and leases to deposits | 100.57% |
| Loans and leases to core deposits | 113.13% |
| Core deposits to total deposits | 90.06% |
| 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 | 80.44% | 99.00% | $0 | $12.0M |
| Q4 2023 | 82.18% | 98.26% | $0 | $12.0M |
| Q1 2024 | 91.27% | 95.41% | $0 | $26.0M |
| Q2 2024 | 93.26% | 88.27% | $0 | $32.0M |
| Q3 2024 | 93.39% | 90.39% | $0 | $32.0M |
| Q4 2024 | 90.22% | 90.80% | $0 | $32.0M |
| Q1 2025 | 95.97% | 90.06% | $0 | $32.0M |
| Q2 2025 | 99.05% | 89.58% | $0 | $42.0M |
| Q3 2025 | 98.14% | 88.28% | $0 | $33.0M |
| Q4 2025 | 95.85% | 88.67% | $0 | $29.0M |
| Q1 2026 | 103.47% | 89.41% | $0 | $34.8M |
| Q2 2026 | 101.88% | 90.06% | $0 | $39.0M |
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 14722) · FFIEC NIC profile (RSSD 390840)