Chambers 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.13 percentage points higher than in Q1 2026, at 115.21%. Within Nebraska, Chambers State Bank is 17th of 138 on loan-to-deposit ratio, 99.12% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Chambers State Bank sits 31.79 points higher, at 99.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.0M |
| Fed funds sold and reverse repos | $5.5M |
| Fed funds sold and reverse repos to assets | 6.20% |
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 | 99.12% |
| Net loans and leases to deposits | 98.16% |
| Loans and leases to core deposits | 115.21% |
| Core deposits to total deposits | 84.91% |
| Brokered deposits to total deposits | 5.90% |
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 | 106.55% | 77.34% | $454K | $0 |
| Q4 2023 | 104.97% | 79.32% | $0 | $0 |
| Q1 2024 | 101.91% | 77.74% | $0 | $0 |
| Q2 2024 | 101.49% | 78.11% | $0 | $0 |
| Q3 2024 | 110.18% | 77.29% | $1.2M | $0 |
| Q4 2024 | 99.15% | 78.14% | $0 | $0 |
| Q1 2025 | 92.97% | 78.51% | $0 | $0 |
| Q2 2025 | 98.00% | 78.27% | $0 | $0 |
| Q3 2025 | 108.96% | 79.08% | $0 | $0 |
| Q4 2025 | 103.58% | 79.92% | $0 | $0 |
| Q1 2026 | 97.57% | 86.72% | $0 | $0 |
| Q2 2026 | 99.12% | 84.91% | $0 | $0 |
Chambers State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chambers 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 Chambers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13251) · FFIEC NIC profile (RSSD 416357)