Bankchampaign, N.A.: 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.
Loans and leases to core deposits climbed 5.26 percentage points in Q2 2026, from 105.39% to 110.65%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bankchampaign, N.A. ranks 14th highest among the 323 banks headquartered in Illinois, at 102.02% (Q2 2026). Bankchampaign, N.A. reported 102.02% on loan-to-deposit ratio for Q2 2026, 21.18 points above 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 | $21.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.5M |
| 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 | $12.8M |
| Other borrowed money | $4.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.02% |
| Net loans and leases to deposits | 100.21% |
| Loans and leases to core deposits | 110.65% |
| Core deposits to total deposits | 89.61% |
| Brokered deposits to total deposits | 2.59% |
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 | 104.98% | 94.61% | $11.9M | $3.0M |
| Q4 2023 | 108.67% | 91.02% | $12.3M | $7.5M |
| Q1 2024 | 103.39% | 90.49% | $12.2M | $7.5M |
| Q2 2024 | 104.79% | 90.54% | $13.1M | $7.4M |
| Q3 2024 | 101.99% | 90.04% | $10.5M | $7.4M |
| Q4 2024 | 102.39% | 90.81% | $11.9M | $8.9M |
| Q1 2025 | 105.76% | 90.94% | $10.7M | $9.4M |
| Q2 2025 | 111.79% | 88.53% | $11.5M | $9.4M |
| Q3 2025 | 105.78% | 88.21% | $11.1M | $4.3M |
| Q4 2025 | 106.60% | 90.30% | $7.2M | $9.3M |
| Q1 2026 | 97.71% | 90.29% | $12.1M | $4.3M |
| Q2 2026 | 102.02% | 89.61% | $12.8M | $4.3M |
Bankchampaign, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankchampaign, N.A., 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 Bankchampaign, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22434) · FFIEC NIC profile (RSSD 436739)