The Bennington 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 Loan-to-deposit ratio: 4.78 percentage points lower than in Q1 2026, at 73.63%. The Bennington State Bank ranks 100th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 73.63% (Q2 2026). The Bennington State Bank reported 73.63% on loan-to-deposit ratio for Q2 2026, 14.57 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 | $93.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $444.7M |
| Fed funds sold and reverse repos | $54.9M |
| Fed funds sold and reverse repos to assets | 3.87% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $43.6M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.63% |
| Net loans and leases to deposits | 72.17% |
| Loans and leases to core deposits | 77.58% |
| Core deposits to total deposits | 94.49% |
| Brokered deposits to total deposits | 0.41% |
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 | 79.20% | 92.37% | $42.3M | $18.1M |
| Q4 2023 | 80.01% | 93.04% | $32.8M | $18.1M |
| Q1 2024 | 79.25% | 94.35% | $42.3M | $17.1M |
| Q2 2024 | 79.66% | 95.95% | $38.8M | $13.1M |
| Q3 2024 | 79.33% | 96.29% | $40.9M | $8.0M |
| Q4 2024 | 74.04% | 95.49% | $39.9M | $8.0M |
| Q1 2025 | 79.67% | 95.03% | $45.6M | $7.0M |
| Q2 2025 | 82.60% | 95.48% | $41.0M | $7.0M |
| Q3 2025 | 80.42% | 93.58% | $48.3M | $16.0M |
| Q4 2025 | 76.98% | 94.36% | $41.2M | $16.0M |
| Q1 2026 | 78.41% | 95.31% | $46.1M | $15.0M |
| Q2 2026 | 73.63% | 94.49% | $43.6M | $15.0M |
The Bennington State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bennington 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 The Bennington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16402) · FFIEC NIC profile (RSSD 1016259)