Vermilion Bank & Trust Company: 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 4.71 percentage points in Q2 2026, from 59.15% to 63.86%. It was the largest change from Q1 2026 among the key lines here. Vermilion Bank & Trust Company ranks 87th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 55.30% (Q2 2026). Vermilion Bank & Trust Company reported 55.30% on loan-to-deposit ratio for Q2 2026, 25.64 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $48.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.0M |
| 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 | 55.30% |
| Net loans and leases to deposits | 54.36% |
| Loans and leases to core deposits | 63.86% |
| Core deposits to total deposits | 86.60% |
| 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 | 55.26% | 89.08% | $0 | $0 |
| Q4 2023 | 47.34% | 88.79% | $0 | $0 |
| Q1 2024 | 50.71% | 87.69% | $0 | $0 |
| Q2 2024 | 51.87% | 87.21% | $0 | $0 |
| Q3 2024 | 54.39% | 86.42% | $0 | $0 |
| Q4 2024 | 47.11% | 87.89% | $0 | $0 |
| Q1 2025 | 51.84% | 86.95% | $0 | $0 |
| Q2 2025 | 54.31% | 86.79% | $0 | $0 |
| Q3 2025 | 55.09% | 86.83% | $0 | $0 |
| Q4 2025 | 44.27% | 89.00% | $0 | $0 |
| Q1 2026 | 51.61% | 87.24% | $0 | $0 |
| Q2 2026 | 55.30% | 86.60% | $0 | $0 |
Vermilion Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermilion Bank & Trust Company, 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 Vermilion Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17841) · FFIEC NIC profile (RSSD 754536)