United Mississippi 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 purchased and repos: 55.7% higher than in Q1 2026, at $4.5M. United Mississippi Bank ranks 13th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 86.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. United Mississippi Bank sits 5.58 points higher, at 86.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.1M |
| 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 | $4.5M |
| Other borrowed money | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.42% |
| Net loans and leases to deposits | 85.70% |
| Loans and leases to core deposits | 91.75% |
| Core deposits to total deposits | 94.19% |
| 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 | 84.10% | 96.22% | $7.4M | $40.0M |
| Q4 2023 | 84.74% | 94.82% | $7.7M | $30.0M |
| Q1 2024 | 82.19% | 94.51% | $7.1M | $30.0M |
| Q2 2024 | 84.37% | 94.31% | $7.2M | $25.0M |
| Q3 2024 | 84.06% | 93.88% | $6.4M | $25.0M |
| Q4 2024 | 88.25% | 94.36% | $5.7M | $42.0M |
| Q1 2025 | 75.10% | 95.39% | $5.5M | $14K |
| Q2 2025 | 80.22% | 95.33% | $5.9M | $0 |
| Q3 2025 | 84.10% | 94.97% | $1.9M | $21.0M |
| Q4 2025 | 84.93% | 94.62% | $1.7M | $11.0M |
| Q1 2026 | 85.60% | 94.69% | $2.9M | $11.0M |
| Q2 2026 | 86.42% | 94.19% | $4.5M | $11.0M |
United Mississippi Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Mississippi 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 Mississippi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21083) · FFIEC NIC profile (RSSD 544335)