United Bank & Trust: 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.
Fed funds sold and reverse repos dropped 94.2% in Q2 2026, from $22.7M to $1.3M. It was the largest change from Q1 2026 among the key lines here. United Bank & Trust ranks 26th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 94.12% (Q2 2026). United Bank & Trust reported 94.12% on loan-to-deposit ratio for Q2 2026, 13.29 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 | $12.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $170.7M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $14.9M |
| Other borrowed money | $54.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.12% |
| Net loans and leases to deposits | 92.89% |
| Loans and leases to core deposits | 103.46% |
| Core deposits to total deposits | 90.97% |
| 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 | 98.75% | 95.73% | $18.0M | $125.0M |
| Q4 2023 | 94.98% | 94.71% | $17.6M | $102.9M |
| Q1 2024 | 94.47% | 93.76% | $16.0M | $101.4M |
| Q2 2024 | 100.76% | 93.04% | $14.8M | $134.7M |
| Q3 2024 | 102.33% | 91.60% | $16.4M | $131.2M |
| Q4 2024 | 96.51% | 91.82% | $15.9M | $90.7M |
| Q1 2025 | 89.80% | 91.70% | $10.6M | $56.1M |
| Q2 2025 | 93.94% | 90.90% | $10.8M | $75.2M |
| Q3 2025 | 96.68% | 91.17% | $19.7M | $79.7M |
| Q4 2025 | 95.06% | 91.04% | $15.0M | $72.0M |
| Q1 2026 | 91.00% | 91.97% | $9.9M | $54.7M |
| Q2 2026 | 94.12% | 90.97% | $14.9M | $54.6M |
United Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17477) · FFIEC NIC profile (RSSD 990352)