University 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 Core deposits to total deposits: 1.64 percentage points higher than in Q1 2026, at 72.07%. On loan-to-deposit ratio, University Bank ranks 4th highest among the 72 banks headquartered in Michigan, at 103.16% (Q2 2026). University Bank reported 103.16% on loan-to-deposit ratio for Q2 2026, 14.96 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.7M |
| Cash and noninterest-bearing balances to assets | 3.04% |
| Cash and securities | $59.3M |
| 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 | $13.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.16% |
| Net loans and leases to deposits | 102.73% |
| Loans and leases to core deposits | 106.13% |
| Core deposits to total deposits | 72.07% |
| Brokered deposits to total deposits | 25.13% |
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 | 99.64% | 66.22% | $0 | $2.6M |
| Q4 2023 | 118.53% | 62.46% | $0 | $108.9M |
| Q1 2024 | 110.51% | 65.18% | $0 | $70.1M |
| Q2 2024 | 107.98% | 69.21% | $0 | $50.0M |
| Q3 2024 | 104.08% | 67.80% | $0 | $25.3M |
| Q4 2024 | 115.09% | 63.66% | $0 | $90.0M |
| Q1 2025 | 107.14% | 67.32% | $0 | $60.0M |
| Q2 2025 | 112.04% | 69.38% | $0 | $70.0M |
| Q3 2025 | 110.82% | 69.94% | $0 | $75.0M |
| Q4 2025 | 110.85% | 69.40% | $0 | $66.4M |
| Q1 2026 | 103.10% | 70.43% | $0 | $15.0M |
| Q2 2026 | 103.16% | 72.07% | $0 | $13.0M |
University Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock University 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 University Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14587) · FFIEC NIC profile (RSSD 137652)