Central Federal Savings and Loan Association: 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 Other borrowed money: 11.5% lower than in Q1 2026, at $2.9M. Within Illinois, Central Federal Savings and Loan Association is 123rd of 323 on loan-to-deposit ratio, 80.59% as of Q2 2026, above the middle of the field. At 80.59%, Central Federal Savings and Loan Association's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $50.3M |
| 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 | $2.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.51% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.59% |
| Net loans and leases to deposits | 79.72% |
| Loans and leases to core deposits | 88.70% |
| Core deposits to total deposits | 85.53% |
| Brokered deposits to total deposits | 5.33% |
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 | 76.85% | 89.20% | $0 | $14.5M |
| Q4 2023 | 81.32% | 87.61% | $0 | $14.2M |
| Q1 2024 | 79.11% | 86.04% | $0 | $12.0M |
| Q2 2024 | 77.83% | 86.25% | $0 | $11.7M |
| Q3 2024 | 81.77% | 88.14% | $0 | $9.5M |
| Q4 2024 | 77.62% | 87.82% | $0 | $9.2M |
| Q1 2025 | 79.74% | 87.21% | $0 | $8.8M |
| Q2 2025 | 79.18% | 86.22% | $0 | $8.5M |
| Q3 2025 | 82.12% | 86.01% | $0 | $4.1M |
| Q4 2025 | 81.92% | 85.82% | $0 | $3.7M |
| Q1 2026 | 80.91% | 85.66% | $0 | $3.3M |
| Q2 2026 | 80.59% | 85.53% | $0 | $2.9M |
Central Federal Savings and Loan Association liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Federal Savings and Loan Association, 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 Central Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28425) · FFIEC NIC profile (RSSD 467470)