Bank of Elgin: 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.
Core deposits to total deposits climbed 1.23 percentage points in Q2 2026, from 91.28% to 92.51%. It was the largest change from Q1 2026 among the key lines here. Bank of Elgin ranks 100th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 77.76% (Q2 2026). Bank of Elgin reported 77.76% on loan-to-deposit ratio for Q2 2026, 9.83 points above the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.7M |
| 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 | $150K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.76% |
| Net loans and leases to deposits | 76.71% |
| Loans and leases to core deposits | 84.05% |
| Core deposits to total deposits | 92.51% |
| 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 | 69.34% | 95.11% | $0 | $0 |
| Q4 2023 | 70.31% | 95.77% | $0 | $2.0M |
| Q1 2024 | 69.48% | 95.82% | $0 | $0 |
| Q2 2024 | 77.69% | 95.31% | $440K | $3.3M |
| Q3 2024 | 79.88% | 94.12% | $352K | $3.7M |
| Q4 2024 | 86.63% | 95.20% | $2.4M | $5.1M |
| Q1 2025 | 80.56% | 95.96% | $0 | $2.4M |
| Q2 2025 | 83.53% | 94.51% | $0 | $1.9M |
| Q3 2025 | 82.15% | 93.60% | $0 | $300K |
| Q4 2025 | 82.00% | 92.65% | $0 | $259K |
| Q1 2026 | 77.44% | 91.28% | $0 | $0 |
| Q2 2026 | 77.76% | 92.51% | $0 | $150K |
Bank of Elgin liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Elgin, 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 Bank of Elgin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16154) · FFIEC NIC profile (RSSD 485054)