Central 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.
Loans and leases to core deposits climbed 0.77 percentage points in Q2 2026, from 90.00% to 90.77%. It was the largest change from Q1 2026 among the key lines here. Central State Bank ranks 126th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 80.37% (Q2 2026). At 80.37%, Central State Bank'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 | $41.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $59.3M |
| 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 | $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 | 80.37% |
| Net loans and leases to deposits | 78.91% |
| Loans and leases to core deposits | 90.77% |
| Core deposits to total deposits | 88.54% |
| 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 | 98.12% | 91.67% | $0 | $0 |
| Q4 2023 | 94.80% | 90.79% | $0 | $0 |
| Q1 2024 | 93.11% | 89.99% | $0 | $0 |
| Q2 2024 | 91.66% | 88.77% | $0 | $0 |
| Q3 2024 | 95.34% | 88.64% | $0 | $0 |
| Q4 2024 | 92.32% | 88.44% | $0 | $0 |
| Q1 2025 | 87.53% | 88.74% | $0 | $0 |
| Q2 2025 | 88.85% | 87.62% | $0 | $0 |
| Q3 2025 | 86.75% | 87.59% | $0 | $0 |
| Q4 2025 | 82.20% | 87.67% | $0 | $0 |
| Q1 2026 | 79.83% | 88.70% | $0 | $0 |
| Q2 2026 | 80.37% | 88.54% | $0 | $0 |
Central State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8487) · FFIEC NIC profile (RSSD 152440)