Better Banks: 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 Cash and balances due from depository institutions: 132.9% higher than in Q1 2026, at $24.1M. Better Banks ranks 178th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 73.84% (Q2 2026). Better Banks reported 73.84% on loan-to-deposit ratio for Q2 2026, 6.72 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.4M |
| 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 | 73.84% |
| Net loans and leases to deposits | 72.86% |
| Loans and leases to core deposits | 76.16% |
| Core deposits to total deposits | 96.95% |
| Brokered deposits to total deposits | 0.00% |
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 | 64.95% | 98.93% | $0 | $0 |
| Q4 2023 | 66.12% | 90.96% | $0 | $0 |
| Q1 2024 | 66.80% | 92.49% | $0 | $0 |
| Q2 2024 | 67.23% | 90.59% | $0 | $0 |
| Q3 2024 | 70.17% | 93.51% | $0 | $0 |
| Q4 2024 | 70.90% | 95.14% | $0 | $0 |
| Q1 2025 | 72.12% | 98.07% | $0 | $0 |
| Q2 2025 | 73.95% | 97.07% | $0 | $0 |
| Q3 2025 | 72.74% | 94.64% | $0 | $0 |
| Q4 2025 | 73.83% | 97.21% | $0 | $0 |
| Q1 2026 | 75.21% | 96.91% | $0 | $0 |
| Q2 2026 | 73.84% | 96.95% | $0 | $0 |
Better Banks liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Better Banks, 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 Better Banks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1808) · FFIEC NIC profile (RSSD 851631)