Unity Bank of Mississippi: 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 Cash and balances due from depository institutions: 52.6% lower than in Q1 2026, at $6.6M. Within Mississippi, Unity Bank of Mississippi is 47th of 57 on loan-to-deposit ratio, 60.53% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Unity Bank of Mississippi sits 20.31 points lower, at 60.53% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $109.5M |
| 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 | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.53% |
| Net loans and leases to deposits | 59.79% |
| Loans and leases to core deposits | 69.60% |
| Core deposits to total deposits | 86.98% |
| 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 | 50.81% | 92.37% | $0 | $2.0M |
| Q4 2023 | 52.63% | 92.52% | $0 | $12.0M |
| Q1 2024 | 52.58% | 92.89% | $0 | $12.0M |
| Q2 2024 | 60.26% | 89.84% | $0 | $20.0M |
| Q3 2024 | 64.90% | 88.85% | $0 | $35.0M |
| Q4 2024 | 64.94% | 88.80% | $0 | $39.0M |
| Q1 2025 | 55.40% | 88.96% | $0 | $0 |
| Q2 2025 | 59.00% | 88.43% | $0 | $5.0M |
| Q3 2025 | 62.16% | 88.13% | $0 | $19.0M |
| Q4 2025 | 61.61% | 88.21% | $0 | $12.0M |
| Q1 2026 | 57.43% | 87.89% | $0 | $0 |
| Q2 2026 | 60.53% | 86.98% | $0 | $10.0M |
Unity Bank of Mississippi liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity Bank of Mississippi, 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 Unity Bank of Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11446) · FFIEC NIC profile (RSSD 837840)