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 Loans and leases to core deposits: 1.83 percentage points higher than in Q1 2026, at 84.70%. United Bank ranks 29th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 76.95% (Q2 2026). United Bank reported 76.95% on loan-to-deposit ratio for Q2 2026, 11.25 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $115.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $419.4M |
| Fed funds sold and reverse repos | $59.1M |
| Fed funds sold and reverse repos to assets | 3.99% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $28.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.95% |
| Net loans and leases to deposits | 75.94% |
| Loans and leases to core deposits | 84.70% |
| Core deposits to total deposits | 90.85% |
| 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 | 73.90% | 94.79% | $0 | $39.1M |
| Q4 2023 | 74.96% | 94.14% | $0 | $38.6M |
| Q1 2024 | 76.34% | 92.77% | $0 | $38.2M |
| Q2 2024 | 78.42% | 92.26% | $0 | $32.4M |
| Q3 2024 | 74.39% | 93.55% | $0 | $32.1M |
| Q4 2024 | 74.75% | 93.98% | $0 | $31.4M |
| Q1 2025 | 76.20% | 93.78% | $0 | $31.1M |
| Q2 2025 | 75.76% | 93.01% | $0 | $30.8M |
| Q3 2025 | 76.86% | 91.58% | $0 | $28.0M |
| Q4 2025 | 74.85% | 91.56% | $0 | $27.7M |
| Q1 2026 | 75.29% | 90.86% | $0 | $27.4M |
| Q2 2026 | 76.95% | 90.85% | $0 | $28.0M |
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 58) · FFIEC NIC profile (RSSD 994435)