The Union Banking 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos to assets: 1.54 percentage points lower than in Q1 2026, at 8.69%. The Union Banking Company has the 4th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 18.66% as of Q2 2026. The Union Banking Company's loan-to-deposit ratio of 18.66% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 48.96 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.8M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 8.69% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 18.66% |
| Net loans and leases to deposits | 18.48% |
| Loans and leases to core deposits | 22.60% |
| Core deposits to total deposits | 81.84% |
| Brokered deposits to total deposits | 0.73% |
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 | 16.36% | 81.67% | $0 | $10.0M |
| Q4 2023 | 16.43% | 81.41% | $0 | $10.0M |
| Q1 2024 | 16.21% | 81.08% | $0 | $10.0M |
| Q2 2024 | 16.94% | 80.68% | $0 | $9.0M |
| Q3 2024 | 16.13% | 80.45% | $0 | $8.0M |
| Q4 2024 | 16.74% | 80.24% | $0 | $8.0M |
| Q1 2025 | 16.12% | 80.66% | $0 | $8.0M |
| Q2 2025 | 14.54% | 80.06% | $0 | $8.0M |
| Q3 2025 | 14.62% | 79.95% | $0 | $8.0M |
| Q4 2025 | 16.78% | 80.07% | $0 | $8.0M |
| Q1 2026 | 18.56% | 80.68% | $0 | $7.7M |
| Q2 2026 | 18.66% | 81.84% | $0 | $7.7M |
The Union Banking 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 Banking 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15326) · FFIEC NIC profile (RSSD 289225)