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 Fed funds sold and reverse repos: 64.3% lower than in Q1 2026, at $5.5M. Within Kansas, Union State Bank is 124th of 182 on loan-to-deposit ratio, 65.98% as of Q2 2026. Union State Bank reported 65.98% on loan-to-deposit ratio for Q2 2026, 14.57 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 | $15.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $86.5M |
| Fed funds sold and reverse repos | $5.5M |
| Fed funds sold and reverse repos to assets | 2.65% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.6M |
| Other borrowed money | $6.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.98% |
| Net loans and leases to deposits | 65.13% |
| Loans and leases to core deposits | 71.76% |
| Core deposits to total deposits | 91.95% |
| 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 | 75.35% | 93.87% | $5.4M | $21.0M |
| Q4 2023 | 72.91% | 94.53% | $5.7M | $16.7M |
| Q1 2024 | 72.46% | 93.90% | $4.6M | $16.7M |
| Q2 2024 | 74.59% | 91.65% | $4.5M | $14.2M |
| Q3 2024 | 77.49% | 89.64% | $4.5M | $17.2M |
| Q4 2024 | 74.81% | 92.33% | $5.6M | $12.2M |
| Q1 2025 | 70.31% | 91.30% | $6.7M | $9.7M |
| Q2 2025 | 72.82% | 89.82% | $5.6M | $9.7M |
| Q3 2025 | 71.48% | 89.43% | $5.2M | $8.5M |
| Q4 2025 | 69.96% | 89.96% | $6.1M | $8.5M |
| Q1 2026 | 68.38% | 90.00% | $6.6M | $6.5M |
| Q2 2026 | 65.98% | 91.95% | $6.6M | $6.5M |
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 15908) · FFIEC NIC profile (RSSD 865759)