U.S. Century 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 Other borrowed money: 354.5% higher than in Q1 2026, at $240.9M. Within Florida, U.S. Century Bank is 14th of 81 on loan-to-deposit ratio, 93.56% as of Q2 2026, above the middle of the field. U.S. Century Bank reported 93.56% on loan-to-deposit ratio for Q2 2026, 5.36 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 | $118.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $587.1M |
| 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 | $240.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.56% |
| Net loans and leases to deposits | 92.49% |
| Loans and leases to core deposits | 103.21% |
| Core deposits to total deposits | 82.96% |
| Brokered deposits to total deposits | 7.69% |
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 | 86.50% | 91.53% | $0 | $102.0M |
| Q4 2023 | 91.71% | 91.34% | $0 | $183.0M |
| Q1 2024 | 86.22% | 89.79% | $0 | $162.0M |
| Q2 2024 | 90.14% | 89.82% | $0 | $162.0M |
| Q3 2024 | 89.80% | 89.20% | $0 | $118.0M |
| Q4 2024 | 90.34% | 87.95% | $0 | $163.0M |
| Q1 2025 | 87.59% | 85.46% | $0 | $108.0M |
| Q2 2025 | 89.61% | 85.04% | $0 | $108.0M |
| Q3 2025 | 85.53% | 83.39% | $0 | $11.0M |
| Q4 2025 | 92.77% | 82.07% | $0 | $158.2M |
| Q1 2026 | 89.19% | 82.29% | $0 | $53.0M |
| Q2 2026 | 93.56% | 82.96% | $0 | $240.9M |
U.S. Century Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock U.S. Century 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 U.S. Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57369) · FFIEC NIC profile (RSSD 3146150)