Blackhawk Bank & Trust: 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 48.9% in Q2 2026, from $98.2M to $146.1M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Blackhawk Bank & Trust is 135th of 323 on loan-to-deposit ratio, 79.12% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Blackhawk Bank & Trust sits 9.08 points lower, at 79.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $723.8M |
| 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 | $78.7M |
| Other borrowed money | $146.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.12% |
| Net loans and leases to deposits | 78.32% |
| Loans and leases to core deposits | 87.16% |
| Core deposits to total deposits | 90.77% |
| 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 | 70.96% | 94.79% | $261.1M | $163.5M |
| Q4 2023 | 74.40% | 94.39% | $266.8M | $200.5M |
| Q1 2024 | 76.25% | 93.62% | $256.0M | $157.5M |
| Q2 2024 | 74.34% | 93.59% | $216.7M | $117.5M |
| Q3 2024 | 78.21% | 93.33% | $204.4M | $102.4M |
| Q4 2024 | 79.02% | 93.35% | $192.6M | $105.4M |
| Q1 2025 | 82.00% | 93.30% | $192.4M | $147.4M |
| Q2 2025 | 78.03% | 93.24% | $128.3M | $71.4M |
| Q3 2025 | 76.37% | 92.71% | $97.2M | $51.4M |
| Q4 2025 | 76.26% | 91.84% | $76.2M | $52.2M |
| Q1 2026 | 78.56% | 90.09% | $81.4M | $98.2M |
| Q2 2026 | 79.12% | 90.77% | $78.7M | $146.1M |
Blackhawk Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Blackhawk Bank & Trust, 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 Blackhawk Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18402) · FFIEC NIC profile (RSSD 890742)