Battle Creek State 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 Loans and leases to core deposits: 16.50 percentage points higher than in Q1 2026, at 131.41%. Battle Creek State Bank ranks 43rd of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 91.41% (Q2 2026). Battle Creek State Bank reported 91.41% on loan-to-deposit ratio for Q2 2026, 23.79 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.3M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 7.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.41% |
| Net loans and leases to deposits | 90.77% |
| Loans and leases to core deposits | 131.41% |
| Core deposits to total deposits | 69.56% |
| Brokered deposits to total deposits | 22.35% |
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 | 89.79% | 98.29% | $400K | $1.0M |
| Q4 2023 | 88.35% | 90.29% | $0 | $1.0M |
| Q1 2024 | 80.18% | 89.94% | $0 | $1.0M |
| Q2 2024 | 75.11% | 90.81% | $0 | $1.0M |
| Q3 2024 | 79.50% | 91.68% | $0 | $0 |
| Q4 2024 | 86.45% | 97.09% | $300K | $0 |
| Q1 2025 | 64.31% | 95.93% | $0 | $0 |
| Q2 2025 | 74.53% | 97.07% | $0 | $0 |
| Q3 2025 | 88.87% | 92.82% | $0 | $0 |
| Q4 2025 | 88.40% | 76.30% | $0 | $0 |
| Q1 2026 | 85.90% | 73.87% | $0 | $0 |
| Q2 2026 | 91.41% | 69.56% | $0 | $0 |
Battle Creek State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Battle Creek State 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 Battle Creek State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16330) · FFIEC NIC profile (RSSD 986757)