The Union Bank Company: 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 securities climbed 79.8% in Q2 2026, from $268.6M to $482.9M. It was the largest change from Q1 2026 among the key lines here. The Union Bank Company ranks 114th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 72.46% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Union Bank Company sits 15.74 points lower, at 72.46% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $55.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $482.9M |
| 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 | $0 |
| Other borrowed money | $93.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.47% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.46% |
| Net loans and leases to deposits | 71.71% |
| Loans and leases to core deposits | 78.00% |
| Core deposits to total deposits | 89.39% |
| Brokered deposits to total deposits | 3.52% |
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 | 71.91% | 95.15% | $0 | $0 |
| Q4 2023 | 74.38% | 95.25% | $0 | $0 |
| Q1 2024 | 74.30% | 94.25% | $0 | $0 |
| Q2 2024 | 69.96% | 94.57% | $0 | $0 |
| Q3 2024 | 65.21% | 95.08% | $0 | $0 |
| Q4 2024 | 71.57% | 95.07% | $0 | $0 |
| Q1 2025 | 72.91% | 95.37% | $0 | $0 |
| Q2 2025 | 73.30% | 95.28% | $0 | $0 |
| Q3 2025 | 75.28% | 94.81% | $0 | $468K |
| Q4 2025 | 78.02% | 94.78% | $0 | $456K |
| Q1 2026 | 78.52% | 94.45% | $0 | $444K |
| Q2 2026 | 72.46% | 89.39% | $0 | $93.4M |
The Union Bank Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Union Bank Company, 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 The Union Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12969) · FFIEC NIC profile (RSSD 780218)