Belmont 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 Brokered deposits to total deposits: 1.92 percentage points higher than in Q1 2026, at 15.69%. Belmont Bank & Trust Company ranks 117th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 81.31% (Q2 2026). Belmont Bank & Trust Company reported 81.31% on loan-to-deposit ratio for Q2 2026, 6.89 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $132.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $282.9M |
| 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 | $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 | 81.31% |
| Net loans and leases to deposits | 80.31% |
| Loans and leases to core deposits | 102.11% |
| Core deposits to total deposits | 78.55% |
| Brokered deposits to total deposits | 15.69% |
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 | 84.94% | 76.82% | $0 | $15.0M |
| Q4 2023 | 87.08% | 78.98% | $0 | $30.0M |
| Q1 2024 | 86.96% | 78.59% | $0 | $15.0M |
| Q2 2024 | 87.07% | 76.88% | $0 | $20.0M |
| Q3 2024 | 88.84% | 76.97% | $0 | $10.0M |
| Q4 2024 | 86.09% | 77.98% | $0 | $0 |
| Q1 2025 | 85.41% | 78.27% | $0 | $0 |
| Q2 2025 | 87.02% | 76.87% | $0 | $0 |
| Q3 2025 | 85.64% | 76.54% | $0 | $0 |
| Q4 2025 | 83.02% | 77.14% | $0 | $0 |
| Q1 2026 | 80.02% | 77.19% | $0 | $0 |
| Q2 2026 | 81.31% | 78.55% | $0 | $0 |
Belmont 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 Belmont 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 Belmont Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58165) · FFIEC NIC profile (RSSD 3391718)