Buckeye 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 Fed funds sold and reverse repos: 75.5% lower than in Q1 2026, at $835K. Buckeye State Bank ranks 110th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 73.44% (Q2 2026). Buckeye State Bank reported 73.44% on loan-to-deposit ratio for Q2 2026, 7.12 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 | $5.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $164.4M |
| Fed funds sold and reverse repos | $835K |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $35.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.44% |
| Net loans and leases to deposits | 72.79% |
| Loans and leases to core deposits | 76.79% |
| Core deposits to total deposits | 92.04% |
| Brokered deposits to total deposits | 5.71% |
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 | 78.57% | 87.68% | $0 | $69.8M |
| Q4 2023 | 75.41% | 75.69% | $0 | $62.0M |
| Q1 2024 | 66.13% | 85.86% | $0 | $34.9M |
| Q2 2024 | 66.31% | 79.32% | $0 | $34.9M |
| Q3 2024 | 70.12% | 79.17% | $0 | $34.8M |
| Q4 2024 | 73.92% | 90.68% | $0 | $34.8M |
| Q1 2025 | 73.96% | 90.86% | $0 | $19.8M |
| Q2 2025 | 72.05% | 93.28% | $0 | $19.7M |
| Q3 2025 | 73.61% | 94.20% | $0 | $19.7M |
| Q4 2025 | 70.37% | 93.44% | $0 | $19.7M |
| Q1 2026 | 71.05% | 92.40% | $0 | $24.6M |
| Q2 2026 | 73.44% | 92.04% | $0 | $35.1M |
Buckeye State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Buckeye 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 Buckeye State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2286) · FFIEC NIC profile (RSSD 870913)