United 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 Brokered deposits to total deposits: 1.09 percentage points lower than in Q1 2026, at 1.24%. United Bank ranks 18th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 91.56% (Q2 2026). United Bank reported 91.56% on loan-to-deposit ratio for Q2 2026, 4.72 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.08B |
| Cash and noninterest-bearing balances to assets | 6.18% |
| Cash and securities | $5.40B |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $167.0M |
| Other borrowed money | $250.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.56% |
| Net loans and leases to deposits | 90.46% |
| Loans and leases to core deposits | 97.99% |
| Core deposits to total deposits | 92.18% |
| Brokered deposits to total deposits | 1.24% |
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 | 92.29% | 95.14% | $188.3M | $1.11B |
| Q4 2023 | 92.86% | 95.29% | $196.1M | $1.51B |
| Q1 2024 | 93.13% | 95.08% | $207.7M | $1.46B |
| Q2 2024 | 92.96% | 95.36% | $203.5M | $1.21B |
| Q3 2024 | 90.02% | 95.58% | $182.0M | $260.3M |
| Q4 2024 | 89.69% | 95.50% | $176.1M | $260.2M |
| Q1 2025 | 89.84% | 94.26% | $176.0M | $250.0M |
| Q2 2025 | 90.73% | 93.88% | $160.8M | $250.0M |
| Q3 2025 | 90.63% | 93.12% | $169.0M | $250.0M |
| Q4 2025 | 90.79% | 91.83% | $198.6M | $250.0M |
| Q1 2026 | 91.17% | 91.36% | $166.2M | $250.0M |
| Q2 2026 | 91.56% | 92.18% | $167.0M | $250.0M |
United Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22858) · FFIEC NIC profile (RSSD 365325)