United Bank of Union: 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 Cash and balances due from depository institutions: 10.9% lower than in Q1 2026, at $26.5M. United Bank of Union ranks 26th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 98.40% (Q2 2026). United Bank of Union reported 98.40% on loan-to-deposit ratio for Q2 2026, 17.56 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 | $26.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $83.9M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $36.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.40% |
| Net loans and leases to deposits | 96.90% |
| Loans and leases to core deposits | 105.69% |
| Core deposits to total deposits | 88.91% |
| Brokered deposits to total deposits | 4.19% |
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 | 91.69% | 83.28% | $0 | $42.5M |
| Q4 2023 | 94.49% | 81.56% | $0 | $53.0M |
| Q1 2024 | 94.59% | 85.26% | $0 | $44.0M |
| Q2 2024 | 95.79% | 82.81% | $0 | $49.5M |
| Q3 2024 | 97.44% | 83.50% | $0 | $56.0M |
| Q4 2024 | 97.57% | 83.51% | $0 | $57.6M |
| Q1 2025 | 95.04% | 86.42% | $0 | $34.6M |
| Q2 2025 | 97.24% | 87.49% | $0 | $45.4M |
| Q3 2025 | 97.01% | 87.79% | $0 | $43.0M |
| Q4 2025 | 99.21% | 89.35% | $0 | $49.5M |
| Q1 2026 | 97.50% | 88.73% | $0 | $36.3M |
| Q2 2026 | 98.40% | 88.91% | $0 | $36.1M |
United Bank of Union liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Union, 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 of Union profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14334) · FFIEC NIC profile (RSSD 562058)