Central Savings 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.
Other borrowed money climbed 100.0% in Q2 2026, from $10.0M to $20.0M. It was the largest change from Q1 2026 among the key lines here. Central Savings Bank ranks 42nd of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 77.70% (Q2 2026). Central Savings Bank reported 77.70% on loan-to-deposit ratio for Q2 2026, 3.14 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $48.3M |
| Cash and noninterest-bearing balances to assets | 9.35% |
| Cash and securities | $149.5M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.70% |
| Net loans and leases to deposits | 76.77% |
| Loans and leases to core deposits | 81.24% |
| Core deposits to total deposits | 95.64% |
| 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 | 53.83% | 93.77% | $0 | $0 |
| Q4 2023 | 55.05% | 93.56% | $0 | $0 |
| Q1 2024 | 52.87% | 88.52% | $0 | $0 |
| Q2 2024 | 54.06% | 89.11% | $0 | $0 |
| Q3 2024 | 58.48% | 89.22% | $0 | $0 |
| Q4 2024 | 60.80% | 89.82% | $0 | $0 |
| Q1 2025 | 59.05% | 94.21% | $0 | $0 |
| Q2 2025 | 65.07% | 94.15% | $0 | $0 |
| Q3 2025 | 63.74% | 94.39% | $0 | $0 |
| Q4 2025 | 77.68% | 94.59% | $0 | $15.0M |
| Q1 2026 | 76.50% | 95.07% | $0 | $10.0M |
| Q2 2026 | 77.70% | 95.64% | $0 | $20.0M |
Central Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Savings 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 Central Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1095) · FFIEC NIC profile (RSSD 382050)