Charlevoix 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.
Cash and balances due from depository institutions climbed 21.8% in Q2 2026, from $36.1M to $44.0M. It was the largest change from Q1 2026 among the key lines here. Charlevoix State Bank ranks 63rd of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 59.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Charlevoix State Bank sits 21.13 points lower, at 59.71% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $44.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.0M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.55% |
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 | 59.71% |
| Net loans and leases to deposits | 59.04% |
| Loans and leases to core deposits | 61.77% |
| Core deposits to total deposits | 96.66% |
| 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 | 44.07% | 98.99% | $0 | $10.0M |
| Q4 2023 | 47.29% | 99.18% | $0 | $10.0M |
| Q1 2024 | 53.73% | 98.75% | $0 | $25.0M |
| Q2 2024 | 53.90% | 98.11% | $0 | $15.0M |
| Q3 2024 | 53.98% | 98.78% | $0 | $0 |
| Q4 2024 | 57.13% | 98.14% | $0 | $0 |
| Q1 2025 | 58.14% | 97.55% | $0 | $0 |
| Q2 2025 | 56.44% | 97.16% | $0 | $0 |
| Q3 2025 | 54.95% | 96.88% | $0 | $0 |
| Q4 2025 | 60.88% | 96.47% | $0 | $0 |
| Q1 2026 | 59.60% | 96.54% | $0 | $0 |
| Q2 2026 | 59.71% | 96.66% | $0 | $0 |
Charlevoix State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Charlevoix 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 Charlevoix State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33926) · FFIEC NIC profile (RSSD 2232757)