Central Savings, F.S.B.: 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 10.00 percentage points in Q2 2026, from 143.94% to 153.94%. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, Central Savings, F.S.B. sits 4th from the top on loan-to-deposit ratio, 120.06% as of Q2 2026. Central Savings, F.S.B. reported 120.06% on loan-to-deposit ratio for Q2 2026, 39.51 points above 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 | $13.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.4M |
| 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 | $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 | 120.06% |
| Net loans and leases to deposits | 118.26% |
| Loans and leases to core deposits | 153.94% |
| Core deposits to total deposits | 75.51% |
| Brokered deposits to total deposits | 2.48% |
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 | 120.11% | 74.57% | $0 | $0 |
| Q4 2023 | 124.64% | 72.48% | $0 | $4.0M |
| Q1 2024 | 127.24% | 69.58% | $0 | $4.0M |
| Q2 2024 | 126.23% | 69.69% | $0 | $4.0M |
| Q3 2024 | 127.04% | 69.99% | $0 | $4.0M |
| Q4 2024 | 128.45% | 69.35% | $0 | $4.0M |
| Q1 2025 | 131.22% | 70.00% | $0 | $6.0M |
| Q2 2025 | 120.61% | 68.49% | $0 | $5.0M |
| Q3 2025 | 112.01% | 68.54% | $0 | $3.0M |
| Q4 2025 | 102.54% | 68.44% | $0 | $0 |
| Q1 2026 | 110.42% | 69.84% | $0 | $0 |
| Q2 2026 | 120.06% | 75.51% | $0 | $0 |
Central Savings, F.S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Savings, F.S.B., 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, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27910) · FFIEC NIC profile (RSSD 615879)