Union Bank & Trust 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 balances due from depository institutions climbed 169.0% in Q2 2026, from $8.2M to $22.1M. It was the largest change from Q1 2026 among the key lines here. Union Bank & Trust Company ranks 37th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 87.36% (Q2 2026). Union Bank & Trust Company reported 87.36% on loan-to-deposit ratio for Q2 2026, 6.52 points above 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 | $22.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.5M |
| 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 | $398K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.36% |
| Net loans and leases to deposits | 85.82% |
| Loans and leases to core deposits | 97.75% |
| Core deposits to total deposits | 79.62% |
| Brokered deposits to total deposits | 9.76% |
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 | 89.06% | 91.64% | $200K | $13.5M |
| Q4 2023 | 89.41% | 91.62% | $925K | $16.5M |
| Q1 2024 | 80.21% | 89.70% | $0 | $506K |
| Q2 2024 | 89.10% | 87.88% | $1.9M | $10.5M |
| Q3 2024 | 88.32% | 83.11% | $6.2M | $479K |
| Q4 2024 | 84.97% | 87.14% | $0 | $465K |
| Q1 2025 | 87.29% | 81.07% | $0 | $451K |
| Q2 2025 | 87.30% | 80.31% | $0 | $437K |
| Q3 2025 | 87.29% | 78.69% | $51K | $434K |
| Q4 2025 | 86.94% | 77.33% | $0 | $415K |
| Q1 2026 | 90.20% | 77.96% | $0 | $406K |
| Q2 2026 | 87.36% | 79.62% | $0 | $398K |
Union Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank & Trust 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 Union Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1753) · FFIEC NIC profile (RSSD 22048)