Beardstown Savings, S.B.: 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.
Cash and balances due from depository institutions dropped 39.2% in Q2 2026, from $5.7M to $3.4M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Beardstown Savings, S.B. is 207th of 323 on loan-to-deposit ratio, 69.84% as of Q2 2026. Beardstown Savings, S.B. reported 69.84% on loan-to-deposit ratio for Q2 2026, 2.51 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.8M |
| 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 | $10.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.84% |
| Net loans and leases to deposits | 69.41% |
| Loans and leases to core deposits | 88.00% |
| Core deposits to total deposits | 77.71% |
| Brokered deposits to total deposits | 7.41% |
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 | 74.09% | 88.19% | $0 | $7.0M |
| Q4 2023 | 75.70% | 87.38% | $0 | $7.4M |
| Q1 2024 | 74.09% | 86.14% | $0 | $7.0M |
| Q2 2024 | 76.18% | 85.79% | $0 | $7.4M |
| Q3 2024 | 79.91% | 84.63% | $0 | $12.1M |
| Q4 2024 | 77.15% | 80.64% | $0 | $11.4M |
| Q1 2025 | 74.76% | 81.12% | $0 | $11.4M |
| Q2 2025 | 73.92% | 81.35% | $0 | $11.4M |
| Q3 2025 | 77.43% | 79.77% | $0 | $12.4M |
| Q4 2025 | 76.45% | 78.53% | $0 | $11.4M |
| Q1 2026 | 70.08% | 80.01% | $0 | $11.4M |
| Q2 2026 | 69.84% | 77.71% | $0 | $10.9M |
Beardstown Savings, S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Beardstown Savings, S.B., 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 Beardstown Savings, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30043) · FFIEC NIC profile (RSSD 835378)