Utah Independent 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.
Loans and leases to core deposits climbed 5.31 percentage points in Q2 2026, from 87.30% to 92.62%. It was the largest change from Q1 2026 among the key lines here. Utah Independent Bank ranks 26th of 44 Utah banks on loan-to-deposit ratio, in the lower half at 84.58% (Q2 2026). Utah Independent Bank reported 84.58% on loan-to-deposit ratio for Q2 2026, 3.74 points above 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 | $25.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.2M |
| Fed funds sold and reverse repos | $21.3M |
| Fed funds sold and reverse repos to assets | 12.49% |
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 | 84.58% |
| Net loans and leases to deposits | 83.56% |
| Loans and leases to core deposits | 92.62% |
| Core deposits to total deposits | 91.32% |
| 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 | 67.81% | 96.57% | $0 | $0 |
| Q4 2023 | 71.85% | 95.63% | $0 | $0 |
| Q1 2024 | 72.42% | 93.83% | $0 | $0 |
| Q2 2024 | 76.96% | 93.33% | $0 | $0 |
| Q3 2024 | 74.99% | 92.62% | $0 | $0 |
| Q4 2024 | 73.85% | 91.99% | $0 | $0 |
| Q1 2025 | 73.68% | 92.59% | $0 | $0 |
| Q2 2025 | 76.25% | 92.69% | $0 | $0 |
| Q3 2025 | 78.69% | 93.89% | $0 | $0 |
| Q4 2025 | 81.62% | 92.90% | $0 | $0 |
| Q1 2026 | 80.33% | 92.01% | $0 | $0 |
| Q2 2026 | 84.58% | 91.32% | $0 | $0 |
Utah Independent Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Utah Independent 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 Utah Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22514) · FFIEC NIC profile (RSSD 256179)