Chelsea 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: 1.69 percentage points higher than in Q1 2026, at 73.47%. Within Michigan, Chelsea State Bank is 55th of 72 on loan-to-deposit ratio, 70.06% as of Q2 2026, below the middle of the field. Chelsea State Bank reported 70.06% on loan-to-deposit ratio for Q2 2026, 10.78 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 | $62.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $142.6M |
| Fed funds sold and reverse repos | $289K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $135K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.06% |
| Net loans and leases to deposits | 68.96% |
| Loans and leases to core deposits | 73.47% |
| Core deposits to total deposits | 95.35% |
| 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 | 64.37% | 98.20% | $0 | $81K |
| Q4 2023 | 67.65% | 97.87% | $0 | $73K |
| Q1 2024 | 67.08% | 97.50% | $0 | $65K |
| Q2 2024 | 70.02% | 96.91% | $0 | $58K |
| Q3 2024 | 74.01% | 95.59% | $0 | $50K |
| Q4 2024 | 73.10% | 94.52% | $0 | $42K |
| Q1 2025 | 71.52% | 94.53% | $0 | $35K |
| Q2 2025 | 72.93% | 94.59% | $0 | $28K |
| Q3 2025 | 70.35% | 94.25% | $0 | $18K |
| Q4 2025 | 69.54% | 96.29% | $0 | $11K |
| Q1 2026 | 68.79% | 95.83% | $0 | $142K |
| Q2 2026 | 70.06% | 95.35% | $0 | $135K |
Chelsea State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea 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 Chelsea State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14009) · FFIEC NIC profile (RSSD 711548)