Banterra Bank: 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 Other borrowed money: 6612.5% higher than in Q1 2026, at $94.0M. Banterra Bank ranks 71st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 88.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Banterra Bank reported 88.22% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $52.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $592.8M |
| 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 | $94.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.22% |
| Net loans and leases to deposits | 87.38% |
| Loans and leases to core deposits | 95.73% |
| Core deposits to total deposits | 78.15% |
| Brokered deposits to total deposits | 14.00% |
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 | 83.50% | 82.25% | $0 | $135.4M |
| Q4 2023 | 84.33% | 80.88% | $0 | $135.4M |
| Q1 2024 | 82.21% | 79.95% | $0 | $85.4M |
| Q2 2024 | 87.08% | 80.83% | $0 | $116.3M |
| Q3 2024 | 85.11% | 78.89% | $0 | $50.4M |
| Q4 2024 | 85.24% | 77.12% | $0 | $50.4M |
| Q1 2025 | 85.13% | 77.79% | $0 | $50.4M |
| Q2 2025 | 85.40% | 77.29% | $0 | $51.4M |
| Q3 2025 | 85.38% | 78.17% | $0 | $51.4M |
| Q4 2025 | 86.19% | 78.37% | $0 | $51.4M |
| Q1 2026 | 84.81% | 78.63% | $0 | $1.4M |
| Q2 2026 | 88.22% | 78.15% | $0 | $94.0M |
Banterra Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Banterra Bank, 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 Banterra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17514) · FFIEC NIC profile (RSSD 502849)