Chillicothe 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: 4.00 percentage points higher than in Q1 2026, at 61.73%. Within Missouri, Chillicothe State Bank is 169th of 192 on loan-to-deposit ratio, 61.55% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Chillicothe State Bank sits 19.29 points lower, at 61.55% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.1M |
| 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 | 61.55% |
| Net loans and leases to deposits | 60.58% |
| Loans and leases to core deposits | 61.73% |
| Core deposits to total deposits | 99.71% |
| 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 | 54.27% | 99.07% | $0 | $0 |
| Q4 2023 | 51.56% | 99.73% | $0 | $0 |
| Q1 2024 | 52.45% | 99.72% | $0 | $0 |
| Q2 2024 | 55.67% | 99.70% | $0 | $0 |
| Q3 2024 | 55.60% | 99.70% | $0 | $0 |
| Q4 2024 | 55.61% | 99.69% | $0 | $0 |
| Q1 2025 | 54.71% | 99.71% | $0 | $0 |
| Q2 2025 | 60.34% | 99.70% | $0 | $0 |
| Q3 2025 | 59.91% | 99.70% | $0 | $0 |
| Q4 2025 | 58.01% | 99.70% | $0 | $0 |
| Q1 2026 | 57.57% | 99.72% | $0 | $0 |
| Q2 2026 | 61.55% | 99.71% | $0 | $0 |
Chillicothe State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Chillicothe 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 Chillicothe State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15546) · FFIEC NIC profile (RSSD 504142)