Chesterfield 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 dropped 6.11 percentage points in Q2 2026, from 77.16% to 71.05%. It was the largest change from Q1 2026 among the key lines here. Chesterfield State Bank ranks 215th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 68.19% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; Chesterfield State Bank reported 68.19% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.9M |
| 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 | 68.19% |
| Net loans and leases to deposits | 67.33% |
| Loans and leases to core deposits | 71.05% |
| Core deposits to total deposits | 95.97% |
| 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 | 89.70% | 92.20% | $0 | $0 |
| Q4 2023 | 91.63% | 90.86% | $0 | $0 |
| Q1 2024 | 84.19% | 88.84% | $0 | $0 |
| Q2 2024 | 82.44% | 88.81% | $0 | $0 |
| Q3 2024 | 81.52% | 88.68% | $0 | $0 |
| Q4 2024 | 79.79% | 88.46% | $0 | $0 |
| Q1 2025 | 77.56% | 94.92% | $0 | $0 |
| Q2 2025 | 76.88% | 94.80% | $0 | $0 |
| Q3 2025 | 80.11% | 95.92% | $0 | $0 |
| Q4 2025 | 75.54% | 95.96% | $0 | $0 |
| Q1 2026 | 74.12% | 96.05% | $0 | $0 |
| Q2 2026 | 68.19% | 95.97% | $0 | $0 |
Chesterfield State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chesterfield 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 Chesterfield State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10872) · FFIEC NIC profile (RSSD 767246)