Bank & Trust Company: 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 Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. Within Illinois, Bank & Trust Company is 127th of 323 on loan-to-deposit ratio, 80.29% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Bank & Trust Company reported 80.29% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.9M |
| Cash and noninterest-bearing balances to assets | 2.80% |
| Cash and securities | $200.2M |
| 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 | $10.5M |
| Other borrowed money | $19.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.29% |
| Net loans and leases to deposits | 78.91% |
| Loans and leases to core deposits | 93.19% |
| Core deposits to total deposits | 86.15% |
| 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 | 79.44% | 89.10% | $19.5M | $14.3M |
| Q4 2023 | 78.04% | 87.10% | $9.2M | $16.3M |
| Q1 2024 | 75.12% | 87.79% | $14.1M | $14.6M |
| Q2 2024 | 74.63% | 86.91% | $11.0M | $15.7M |
| Q3 2024 | 76.56% | 86.59% | $10.5M | $12.3M |
| Q4 2024 | 77.68% | 85.58% | $10.2M | $12.2M |
| Q1 2025 | 75.11% | 85.34% | $14.8M | $14.2M |
| Q2 2025 | 75.42% | 84.82% | $15.8M | $14.1M |
| Q3 2025 | 78.63% | 85.44% | $16.6M | $19.8M |
| Q4 2025 | 79.25% | 85.73% | $9.2M | $19.7M |
| Q1 2026 | 77.45% | 86.04% | $7.7M | $19.1M |
| Q2 2026 | 80.29% | 86.15% | $10.5M | $19.1M |
Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1047) · FFIEC NIC profile (RSSD 496845)