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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 22.5% higher than in Q1 2026, at $20.7M. United Community Bank ranks 171st of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 65.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Community Bank sits 15.25 points lower, at 65.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $137.5M |
| Fed funds sold and reverse repos | $20.7M |
| Fed funds sold and reverse repos to assets | 5.76% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $77K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.59% |
| Net loans and leases to deposits | 64.63% |
| Loans and leases to core deposits | 69.26% |
| Core deposits to total deposits | 94.70% |
| 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 | 64.21% | 95.52% | $0 | $526K |
| Q4 2023 | 66.20% | 95.91% | $0 | $521K |
| Q1 2024 | 67.23% | 95.05% | $0 | $417K |
| Q2 2024 | 66.71% | 94.90% | $0 | $413K |
| Q3 2024 | 64.10% | 94.78% | $0 | $409K |
| Q4 2024 | 64.48% | 94.13% | $0 | $404K |
| Q1 2025 | 63.06% | 93.94% | $0 | $400K |
| Q2 2025 | 65.49% | 93.75% | $0 | $395K |
| Q3 2025 | 64.91% | 94.19% | $0 | $391K |
| Q4 2025 | 65.90% | 94.64% | $0 | $386K |
| Q1 2026 | 66.07% | 94.37% | $0 | $82K |
| Q2 2026 | 65.59% | 94.70% | $0 | $77K |
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 8544) · FFIEC NIC profile (RSSD 847157)