United Midwest Savings Bank, N.A.: 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 Loans and leases to core deposits: 2.38 percentage points higher than in Q1 2026, at 106.40%. United Midwest Savings Bank, N.A. ranks 56th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 88.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Midwest Savings Bank, N.A. sits 7.35 points higher, at 88.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $106.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $109.4M |
| 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 | 88.19% |
| Net loans and leases to deposits | 86.16% |
| Loans and leases to core deposits | 106.40% |
| Core deposits to total deposits | 82.89% |
| 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 | 92.23% | 86.20% | $0 | $0 |
| Q4 2023 | 77.46% | 86.48% | $0 | $0 |
| Q1 2024 | 78.57% | 85.68% | $0 | $0 |
| Q2 2024 | 75.54% | 85.24% | $0 | $0 |
| Q3 2024 | 73.99% | 85.78% | $0 | $0 |
| Q4 2024 | 75.63% | 85.43% | $0 | $0 |
| Q1 2025 | 81.18% | 85.69% | $0 | $0 |
| Q2 2025 | 86.09% | 84.99% | $0 | $0 |
| Q3 2025 | 86.42% | 84.45% | $0 | $0 |
| Q4 2025 | 85.02% | 83.81% | $0 | $0 |
| Q1 2026 | 86.63% | 83.28% | $0 | $0 |
| Q2 2026 | 88.19% | 82.89% | $0 | $0 |
United Midwest Savings Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Midwest Savings Bank, N.A., 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 Midwest Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32441) · FFIEC NIC profile (RSSD 809276)