United Security 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.
Other borrowed money dropped 55.6% in Q2 2026, from $9.0M to $4.0M. It was the largest change from Q1 2026 among the key lines here. United Security Bank ranks 49th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 94.31% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. United Security Bank sits 26.69 points higher, at 94.31% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.3M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 1.78% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.31% |
| Net loans and leases to deposits | 93.03% |
| Loans and leases to core deposits | 114.67% |
| Core deposits to total deposits | 82.25% |
| 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 | 83.60% | 84.20% | $0 | $9.9M |
| Q4 2023 | 88.90% | 83.33% | $0 | $14.6M |
| Q1 2024 | 79.03% | 82.20% | $0 | $6.0M |
| Q2 2024 | 84.98% | 80.54% | $0 | $9.0M |
| Q3 2024 | 90.56% | 81.29% | $0 | $11.8M |
| Q4 2024 | 89.25% | 82.37% | $0 | $9.0M |
| Q1 2025 | 88.94% | 81.70% | $0 | $6.0M |
| Q2 2025 | 90.09% | 77.01% | $0 | $6.0M |
| Q3 2025 | 87.74% | 75.02% | $0 | $3.0M |
| Q4 2025 | 92.67% | 79.70% | $1.0M | $5.0M |
| Q1 2026 | 97.54% | 81.98% | $0 | $9.0M |
| Q2 2026 | 94.31% | 82.25% | $0 | $4.0M |
United Security Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1427) · FFIEC NIC profile (RSSD 630340)