Young Americans 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.
Fed funds sold and reverse repos climbed 115.8% in Q2 2026, from $1.5M to $3.2M. It was the largest change from Q1 2026 among the key lines here. Young Americans Bank has the 1st lowest loan-to-deposit ratio of the 63 banks headquartered in Colorado, at 0.42% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Young Americans Bank reported 0.42% on loan-to-deposit ratio in Q2 2026, 67.20 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.3M |
| Fed funds sold and reverse repos | $3.2M |
| Fed funds sold and reverse repos to assets | 20.64% |
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 | 0.42% |
| Net loans and leases to deposits | 0.35% |
| Loans and leases to core deposits | 0.42% |
| Core deposits to total deposits | 100.00% |
| 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 | 0.14% | 100.00% | $0 | $0 |
| Q4 2023 | 0.11% | 100.00% | $0 | $0 |
| Q1 2024 | 0.09% | 100.00% | $0 | $0 |
| Q2 2024 | 0.21% | 100.00% | $0 | $0 |
| Q3 2024 | 0.19% | 100.00% | $0 | $0 |
| Q4 2024 | 0.18% | 100.00% | $0 | $0 |
| Q1 2025 | 0.30% | 100.00% | $0 | $0 |
| Q2 2025 | 0.28% | 100.00% | $0 | $0 |
| Q3 2025 | 0.34% | 100.00% | $0 | $0 |
| Q4 2025 | 0.32% | 100.00% | $0 | $0 |
| Q1 2026 | 0.28% | 100.00% | $0 | $0 |
| Q2 2026 | 0.42% | 100.00% | $0 | $0 |
Young Americans Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Young Americans 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 Young Americans Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27010) · FFIEC NIC profile (RSSD 67254)