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.
Loans and leases to core deposits climbed 4.45 percentage points in Q2 2026, from 97.91% to 102.37%. It was the largest change from Q1 2026 among the key lines here. United Community Bank ranks 23rd of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 92.22% (Q2 2026). United Community Bank reported 92.22% on loan-to-deposit ratio for Q2 2026, 11.38 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 | $73.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $116.6M |
| 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 | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.22% |
| Net loans and leases to deposits | 89.37% |
| Loans and leases to core deposits | 102.37% |
| Core deposits to total deposits | 90.09% |
| 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 | 88.70% | 95.51% | $0 | $0 |
| Q4 2023 | 88.68% | 92.01% | $0 | $0 |
| Q1 2024 | 92.20% | 92.11% | $0 | $0 |
| Q2 2024 | 94.52% | 94.85% | $0 | $0 |
| Q3 2024 | 96.40% | 94.79% | $0 | $0 |
| Q4 2024 | 96.28% | 95.14% | $0 | $0 |
| Q1 2025 | 98.82% | 95.03% | $0 | $5.0M |
| Q2 2025 | 97.08% | 93.11% | $0 | $15.0M |
| Q3 2025 | 95.70% | 92.14% | $0 | $10.0M |
| Q4 2025 | 91.29% | 91.01% | $0 | $10.0M |
| Q1 2026 | 88.33% | 90.22% | $0 | $0 |
| Q2 2026 | 92.22% | 90.09% | $0 | $0 |
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 19143) · FFIEC NIC profile (RSSD 90337)