United Republic 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 Brokered deposits to total deposits: 3.38 percentage points lower than in Q1 2026, at 26.31%. United Republic Bank ranks 33rd of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 93.06% (Q2 2026). United Republic Bank reported 93.06% on loan-to-deposit ratio for Q2 2026, 12.22 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 | $6.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $23.2M |
| 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 | $12.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.06% |
| Net loans and leases to deposits | 91.05% |
| Loans and leases to core deposits | 106.25% |
| Core deposits to total deposits | 61.27% |
| Brokered deposits to total deposits | 26.31% |
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 | 97.49% | 68.94% | $0 | $7.5M |
| Q4 2023 | 99.95% | 62.00% | $0 | $10.0M |
| Q1 2024 | 99.28% | 59.73% | $0 | $12.5M |
| Q2 2024 | 99.13% | 61.60% | $0 | $12.5M |
| Q3 2024 | 96.57% | 60.25% | $0 | $14.5M |
| Q4 2024 | 96.19% | 55.51% | $0 | $14.5M |
| Q1 2025 | 91.56% | 59.13% | $0 | $15.0M |
| Q2 2025 | 91.63% | 61.65% | $0 | $12.5M |
| Q3 2025 | 93.62% | 62.43% | $0 | $12.5M |
| Q4 2025 | 95.50% | 59.26% | $0 | $14.5M |
| Q1 2026 | 92.51% | 58.50% | $0 | $12.0M |
| Q2 2026 | 93.06% | 61.27% | $0 | $12.0M |
United Republic Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Republic 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 Republic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58359) · FFIEC NIC profile (RSSD 3387140)