The Bank of Herrin: 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 dropped 100.0% in Q2 2026, from $14.3M to $0. It was the largest change from Q1 2026 among the key lines here. The Bank of Herrin ranks 200th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 70.99% (Q2 2026). The Bank of Herrin reported 70.99% on loan-to-deposit ratio for Q2 2026, 9.85 points below 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 | $6.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.8M |
| 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 | 70.99% |
| Net loans and leases to deposits | 70.24% |
| Loans and leases to core deposits | 77.53% |
| Core deposits to total deposits | 85.20% |
| Brokered deposits to total deposits | 6.36% |
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 | 66.98% | 96.88% | $0 | $20.0M |
| Q4 2023 | 66.17% | 96.17% | $1K | $20.0M |
| Q1 2024 | 63.42% | 90.90% | $0 | $0 |
| Q2 2024 | 64.32% | 89.00% | $0 | $0 |
| Q3 2024 | 67.43% | 84.78% | $0 | $0 |
| Q4 2024 | 65.46% | 84.90% | $0 | $0 |
| Q1 2025 | 64.47% | 85.72% | $0 | $0 |
| Q2 2025 | 64.60% | 83.77% | $0 | $0 |
| Q3 2025 | 66.09% | 86.21% | $0 | $0 |
| Q4 2025 | 70.53% | 82.33% | $0 | $0 |
| Q1 2026 | 69.07% | 82.21% | $0 | $0 |
| Q2 2026 | 70.99% | 85.20% | $0 | $0 |
The Bank of Herrin liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Herrin, 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 The Bank of Herrin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11310) · FFIEC NIC profile (RSSD 835444)