Union State 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.
Fed funds sold and reverse repos dropped 100.0% in Q2 2026, from $3.1M to $0. It was the largest change from Q1 2026 among the key lines here. Union State Bank ranks 49th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 87.52% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Union State Bank sits 19.90 points higher, at 87.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.1M |
| 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 | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.52% |
| Net loans and leases to deposits | 86.62% |
| Loans and leases to core deposits | 93.83% |
| Core deposits to total deposits | 93.28% |
| 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 | 72.19% | 94.07% | $0 | $392K |
| Q4 2023 | 75.12% | 91.55% | $0 | $332K |
| Q1 2024 | 77.71% | 96.40% | $0 | $310K |
| Q2 2024 | 81.63% | 96.44% | $0 | $1.1M |
| Q3 2024 | 82.47% | 92.44% | $0 | $2.4M |
| Q4 2024 | 76.47% | 88.02% | $0 | $1.8M |
| Q1 2025 | 78.52% | 95.37% | $0 | $1.5M |
| Q2 2025 | 81.95% | 93.45% | $0 | $1.5M |
| Q3 2025 | 83.78% | 92.93% | $0 | $1.0M |
| Q4 2025 | 85.48% | 92.70% | $0 | $947K |
| Q1 2026 | 80.87% | 93.78% | $0 | $891K |
| Q2 2026 | 87.52% | 93.28% | $0 | $1.1M |
Union State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16788) · FFIEC NIC profile (RSSD 206950)