Bank of Springfield: 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: 3.47 percentage points higher than in Q1 2026, at 105.16%. Among 323 Illinois banks, Bank of Springfield sits 15th from the top on loan-to-deposit ratio, 100.88% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of Springfield sits 12.68 points higher, at 100.88% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $117.0M |
| Cash and noninterest-bearing balances to assets | 5.85% |
| Cash and securities | $216.0M |
| 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 | $7.6M |
| Other borrowed money | $94.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.72% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.88% |
| Net loans and leases to deposits | 99.85% |
| Loans and leases to core deposits | 105.16% |
| Core deposits to total deposits | 87.70% |
| Brokered deposits to total deposits | 8.23% |
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 | 97.91% | 93.15% | $7.6M | $76.9M |
| Q4 2023 | 99.55% | 93.81% | $8.8M | $91.8M |
| Q1 2024 | 100.30% | 97.35% | $9.7M | $91.7M |
| Q2 2024 | 97.17% | 95.11% | $7.8M | $71.5M |
| Q3 2024 | 95.72% | 89.64% | $8.3M | $71.4M |
| Q4 2024 | 98.90% | 90.84% | $9.2M | $58.8M |
| Q1 2025 | 102.89% | 94.39% | $8.8M | $108.7M |
| Q2 2025 | 98.22% | 90.27% | $8.6M | $79.1M |
| Q3 2025 | 95.27% | 86.26% | $8.9M | $69.0M |
| Q4 2025 | 93.83% | 86.68% | $8.7M | $65.4M |
| Q1 2026 | 97.47% | 88.26% | $8.3M | $73.7M |
| Q2 2026 | 100.88% | 87.70% | $7.6M | $94.3M |
Bank of Springfield liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Springfield, 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 Springfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19506) · FFIEC NIC profile (RSSD 248240)