Bank of Pontiac: 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.95 percentage points higher than in Q1 2026, at 95.00%. Bank of Pontiac ranks 101st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 83.90% (Q2 2026). Bank of Pontiac reported 83.90% on loan-to-deposit ratio for Q2 2026, 4.30 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $110.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $272.6M |
| 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 | $9.8M |
| Other borrowed money | $22.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.90% |
| Net loans and leases to deposits | 82.94% |
| Loans and leases to core deposits | 95.00% |
| Core deposits to total deposits | 87.61% |
| Brokered deposits to total deposits | 0.71% |
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 | 90.50% | 88.08% | $12.4M | $60.0M |
| Q4 2023 | 93.28% | 87.75% | $10.3M | $78.0M |
| Q1 2024 | 80.77% | 88.00% | $10.1M | $17.5M |
| Q2 2024 | 83.63% | 87.33% | $5.2M | $12.5M |
| Q3 2024 | 80.03% | 87.41% | $8.3M | $19.5M |
| Q4 2024 | 81.34% | 87.13% | $7.5M | $19.5M |
| Q1 2025 | 80.74% | 87.30% | $5.7M | $19.5M |
| Q2 2025 | 84.30% | 87.59% | $7.0M | $19.5M |
| Q3 2025 | 84.80% | 88.15% | $7.5M | $19.5M |
| Q4 2025 | 84.43% | 88.76% | $7.9M | $19.5M |
| Q1 2026 | 80.40% | 87.55% | $13.2M | $19.5M |
| Q2 2026 | 83.90% | 87.61% | $9.8M | $22.5M |
Bank of Pontiac liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Pontiac, 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 Pontiac profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16982) · FFIEC NIC profile (RSSD 930442)