United Community 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.
Fed funds purchased and repos dropped 84.3% in Q2 2026, from $109.7M to $17.2M. It was the largest change from Q1 2026 among the key lines here. United Community Bank ranks 173rd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 74.45% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. United Community Bank sits 13.75 points lower, at 74.45% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $449.0M |
| Cash and noninterest-bearing balances to assets | 10.87% |
| Cash and securities | $1.34B |
| 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 | $17.2M |
| Other borrowed money | $69.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.45% |
| Net loans and leases to deposits | 73.51% |
| Loans and leases to core deposits | 77.52% |
| Core deposits to total deposits | 91.25% |
| Brokered deposits to total deposits | 4.80% |
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 | 68.39% | 97.03% | $62.7M | $137.0M |
| Q4 2023 | 69.11% | 95.50% | $53.8M | $87.0M |
| Q1 2024 | 69.88% | 95.39% | $48.1M | $97.0M |
| Q2 2024 | 72.06% | 94.00% | $50.7M | $114.5M |
| Q3 2024 | 74.32% | 94.02% | $49.0M | $114.5M |
| Q4 2024 | 73.84% | 92.54% | $72.5M | $114.5M |
| Q1 2025 | 73.88% | 93.30% | $93.9M | $104.5M |
| Q2 2025 | 75.42% | 93.04% | $99.7M | $99.5M |
| Q3 2025 | 76.76% | 92.24% | $110.7M | $99.5M |
| Q4 2025 | 75.80% | 91.73% | $120.3M | $99.5M |
| Q1 2026 | 72.98% | 91.11% | $109.7M | $84.5M |
| Q2 2026 | 74.45% | 91.25% | $17.2M | $69.5M |
United Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19459) · FFIEC NIC profile (RSSD 439338)