Chester National 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 Fed funds sold and reverse repos: 111.8% higher than in Q1 2026, at $25.9M. Chester National Bank ranks 272nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 52.44% (Q2 2026). Chester National Bank reported 52.44% on loan-to-deposit ratio for Q2 2026, 28.40 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 | $58.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $58.1M |
| Fed funds sold and reverse repos | $25.9M |
| Fed funds sold and reverse repos to assets | 20.64% |
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 | 52.44% |
| Net loans and leases to deposits | 52.09% |
| Loans and leases to core deposits | 55.22% |
| Core deposits to total deposits | 94.96% |
| 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 | 74.27% | 93.03% | $0 | $0 |
| Q4 2023 | 76.81% | 89.88% | $0 | $0 |
| Q1 2024 | 72.28% | 89.39% | $0 | $0 |
| Q2 2024 | 66.55% | 95.17% | $0 | $0 |
| Q3 2024 | 59.72% | 95.71% | $0 | $0 |
| Q4 2024 | 54.09% | 96.36% | $0 | $0 |
| Q1 2025 | 52.96% | 96.46% | $0 | $0 |
| Q2 2025 | 53.07% | 96.61% | $0 | $0 |
| Q3 2025 | 54.31% | 95.37% | $0 | $0 |
| Q4 2025 | 53.17% | 95.47% | $0 | $0 |
| Q1 2026 | 52.96% | 94.66% | $0 | $0 |
| Q2 2026 | 52.44% | 94.96% | $0 | $0 |
Chester National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chester National 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 Chester National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30220) · FFIEC NIC profile (RSSD 231279)