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 Loan-to-deposit ratio: 7.46 percentage points higher than in Q1 2026, at 95.13%. United Bank ranks 20th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 95.13% (Q2 2026). United Bank reported 95.13% on loan-to-deposit ratio for Q2 2026, 14.29 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.7M |
| 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 | $124K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.13% |
| Net loans and leases to deposits | 93.63% |
| Loans and leases to core deposits | 106.19% |
| Core deposits to total deposits | 89.58% |
| Brokered deposits to total deposits | 4.48% |
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 | 106.11% | 81.79% | $0 | $26.7M |
| Q4 2023 | 101.21% | 90.13% | $0 | $14.7M |
| Q1 2024 | 97.09% | 80.03% | $0 | $17.6M |
| Q2 2024 | 102.52% | 77.14% | $0 | $16.6M |
| Q3 2024 | 102.69% | 74.89% | $0 | $15.5M |
| Q4 2024 | 101.06% | 76.67% | $0 | $16.5M |
| Q1 2025 | 99.05% | 89.77% | $0 | $13.4M |
| Q2 2025 | 97.32% | 90.06% | $0 | $10.3M |
| Q3 2025 | 98.05% | 85.59% | $0 | $10.8M |
| Q4 2025 | 97.31% | 85.62% | $0 | $215K |
| Q1 2026 | 87.67% | 86.90% | $0 | $159K |
| Q2 2026 | 95.13% | 89.58% | $0 | $124K |
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 32025) · FFIEC NIC profile (RSSD 539377)