United Southern 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 Loans and leases to core deposits: 2.41 percentage points higher than in Q1 2026, at 61.24%. United Southern Bank ranks 63rd of 81 Florida banks on loan-to-deposit ratio, in the lower half at 61.09% (Q2 2026). United Southern Bank reported 61.09% on loan-to-deposit ratio for Q2 2026, 19.75 points below 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 | $58.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $335.2M |
| 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 | $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 | 61.09% |
| Net loans and leases to deposits | 59.89% |
| Loans and leases to core deposits | 61.24% |
| Core deposits to total deposits | 99.75% |
| 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 | 46.16% | 99.48% | $0 | $75.0M |
| Q4 2023 | 47.21% | 99.49% | $0 | $75.0M |
| Q1 2024 | 47.89% | 99.61% | $0 | $50.0M |
| Q2 2024 | 50.82% | 99.63% | $0 | $50.0M |
| Q3 2024 | 52.66% | 99.66% | $0 | $50.0M |
| Q4 2024 | 51.53% | 99.68% | $0 | $25.0M |
| Q1 2025 | 50.13% | 99.69% | $0 | $0 |
| Q2 2025 | 53.85% | 99.72% | $0 | $0 |
| Q3 2025 | 56.16% | 99.75% | $0 | $0 |
| Q4 2025 | 57.34% | 99.75% | $0 | $0 |
| Q1 2026 | 58.69% | 99.75% | $0 | $0 |
| Q2 2026 | 61.09% | 99.75% | $0 | $0 |
United Southern Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15465) · FFIEC NIC profile (RSSD 327435)