Carrollton 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.
Loans and leases to core deposits climbed 1.44 percentage points in Q2 2026, from 99.84% to 101.27%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Carrollton Bank is 104th of 323 on loan-to-deposit ratio, 83.63% as of Q2 2026, above the middle of the field. Carrollton Bank reported 83.63% on loan-to-deposit ratio for Q2 2026, 4.57 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 | — |
| Cash and noninterest-bearing balances to assets | 14.17% |
| Cash and securities | $833.5M |
| Fed funds sold and reverse repos | $13.5M |
| Fed funds sold and reverse repos to assets | 0.35% |
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 | 83.63% |
| Net loans and leases to deposits | 82.55% |
| Loans and leases to core deposits | 101.27% |
| Core deposits to total deposits | 82.58% |
| 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 | 87.08% | 87.15% | $0 | $0 |
| Q4 2023 | 87.99% | 86.48% | $0 | $0 |
| Q1 2024 | 86.33% | 84.61% | $0 | $0 |
| Q2 2024 | 89.60% | 85.14% | $0 | $0 |
| Q3 2024 | 87.84% | 86.34% | $0 | $0 |
| Q4 2024 | 87.52% | 85.67% | $0 | $0 |
| Q1 2025 | 84.35% | 83.80% | $0 | $0 |
| Q2 2025 | 83.23% | 82.87% | $0 | $0 |
| Q3 2025 | 80.44% | 83.51% | $0 | $0 |
| Q4 2025 | 83.06% | 83.73% | $0 | $0 |
| Q1 2026 | 83.75% | 83.88% | $0 | $0 |
| Q2 2026 | 83.63% | 82.58% | $0 | $0 |
Carrollton Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Carrollton 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 Carrollton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12383) · FFIEC NIC profile (RSSD 1001648)