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.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 81.0% higher than in Q1 2026, at $54.6M. Within Kansas, Union State Bank is 113th of 182 on loan-to-deposit ratio, 69.17% as of Q2 2026. Union State Bank reported 69.17% on loan-to-deposit ratio for Q2 2026, 11.38 points below 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 | $54.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $232.8M |
| Fed funds sold and reverse repos | $40K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.17% |
| Net loans and leases to deposits | 68.38% |
| Loans and leases to core deposits | 74.63% |
| Core deposits to total deposits | 90.46% |
| Brokered deposits to total deposits | 2.23% |
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 | 77.89% | 94.06% | $6.6M | $48.1M |
| Q4 2023 | 75.35% | 88.16% | $7.2M | $49.1M |
| Q1 2024 | 73.87% | 87.93% | $9.7M | $55.1M |
| Q2 2024 | 76.99% | 89.41% | $9.6M | $64.1M |
| Q3 2024 | 76.70% | 84.43% | $5.7M | $65.0M |
| Q4 2024 | 76.49% | 83.13% | $5.2M | $28.0M |
| Q1 2025 | 73.63% | 82.91% | $5.1M | $10.0M |
| Q2 2025 | 74.21% | 83.59% | $4.5M | $10.0M |
| Q3 2025 | 75.60% | 83.75% | $4.6M | $5.0M |
| Q4 2025 | 75.91% | 86.51% | $712K | $8.0M |
| Q1 2026 | 74.13% | 88.22% | $6K | $0 |
| Q2 2026 | 69.17% | 90.46% | $0 | $0 |
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 1869) · FFIEC NIC profile (RSSD 227151)