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.
Other borrowed money climbed 100.0% in Q2 2026, from $4.0M to $8.0M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Union State Bank is 74th of 93 on loan-to-deposit ratio, 51.67% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Union State Bank sits 28.89 points lower, at 51.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.5M |
| Fed funds sold and reverse repos | $7.0M |
| Fed funds sold and reverse repos to assets | 3.29% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.67% |
| Net loans and leases to deposits | 51.20% |
| Loans and leases to core deposits | 54.44% |
| Core deposits to total deposits | 94.91% |
| 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 | 34.04% | 98.49% | $0 | $0 |
| Q4 2023 | 34.16% | 97.72% | $0 | $0 |
| Q1 2024 | 36.74% | 96.26% | $0 | $0 |
| Q2 2024 | 37.58% | 96.10% | $0 | $0 |
| Q3 2024 | 39.16% | 95.59% | $0 | $0 |
| Q4 2024 | 35.03% | 95.60% | $0 | $0 |
| Q1 2025 | 37.28% | 95.01% | $0 | $0 |
| Q2 2025 | 39.75% | 95.16% | $0 | $0 |
| Q3 2025 | 41.50% | 95.14% | $0 | $0 |
| Q4 2025 | 41.55% | 95.88% | $0 | $0 |
| Q1 2026 | 47.65% | 95.14% | $0 | $4.0M |
| Q2 2026 | 51.67% | 94.91% | $0 | $8.0M |
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 5602) · FFIEC NIC profile (RSSD 467733)