Beverly Bank & Trust Company, N.A.: 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.
Other borrowed money climbed 24.8% in Q2 2026, from $100.2M to $125.0M. It was the largest change from Q1 2026 among the key lines here. Beverly Bank & Trust Company, N.A. ranks 55th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 91.05% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Beverly Bank & Trust Company, N.A. sits 2.85 points higher, at 91.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $126.3M |
| Cash and noninterest-bearing balances to assets | 4.69% |
| Cash and securities | $528.6M |
| Fed funds sold and reverse repos | $4K |
| 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 | $125.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.64% |
| Trading liabilities | $2.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.05% |
| Net loans and leases to deposits | 90.45% |
| Loans and leases to core deposits | 98.31% |
| Core deposits to total deposits | 79.91% |
| Brokered deposits to total deposits | 12.70% |
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 | 95.46% | 83.89% | $0 | $50.2M |
| Q4 2023 | 94.63% | 85.12% | $0 | $50.2M |
| Q1 2024 | 95.17% | 82.37% | $0 | $100.2M |
| Q2 2024 | 92.70% | 80.62% | $0 | $100.2M |
| Q3 2024 | 91.73% | 79.50% | $0 | $100.2M |
| Q4 2024 | 92.79% | 79.10% | $0 | $100.2M |
| Q1 2025 | 96.16% | 79.49% | $0 | $100.2M |
| Q2 2025 | 94.34% | 78.74% | $0 | $100.2M |
| Q3 2025 | 93.64% | 80.27% | $0 | $100.2M |
| Q4 2025 | 92.33% | 81.50% | $0 | $100.2M |
| Q1 2026 | 91.45% | 79.51% | $0 | $100.2M |
| Q2 2026 | 91.05% | 79.91% | $0 | $125.0M |
Beverly Bank & Trust Company, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Beverly Bank & Trust Company, N.A., 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 Beverly Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57701) · FFIEC NIC profile (RSSD 3216017)