Alliance Community 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.
Cash and balances due from depository institutions climbed 31.8% in Q2 2026, from $35.8M to $47.1M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Alliance Community Bank is 218th of 323 on loan-to-deposit ratio, 67.33% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Alliance Community Bank sits 13.51 points lower, at 67.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $142.1M |
| 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 | $8.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.33% |
| Net loans and leases to deposits | 66.65% |
| Loans and leases to core deposits | 69.57% |
| Core deposits to total deposits | 96.79% |
| 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 | 62.82% | 98.18% | $0 | $21.0M |
| Q4 2023 | 63.78% | 93.83% | $2.0M | $11.0M |
| Q1 2024 | 63.24% | 94.59% | $0 | $17.2M |
| Q2 2024 | 64.83% | 95.70% | $0 | $20.1M |
| Q3 2024 | 65.17% | 95.80% | $0 | $18.1M |
| Q4 2024 | 68.91% | 95.81% | $0 | $18.1M |
| Q1 2025 | 67.88% | 95.93% | $0 | $15.8M |
| Q2 2025 | 68.23% | 95.88% | $0 | $9.9M |
| Q3 2025 | 68.88% | 95.91% | $0 | $9.0M |
| Q4 2025 | 70.55% | 97.04% | $0 | $9.0M |
| Q1 2026 | 68.13% | 96.69% | $0 | $9.0M |
| Q2 2026 | 67.33% | 96.79% | $0 | $8.7M |
Alliance Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Community 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 Alliance Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9631) · FFIEC NIC profile (RSSD 924937)