The City National Bank of Metropolis: 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.
Fed funds purchased and repos climbed 103.4% in Q2 2026, from $2.1M to $4.2M. It was the largest change from Q1 2026 among the key lines here. The City National Bank of Metropolis ranks 193rd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The City National Bank of Metropolis sits 8.79 points lower, at 72.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.0M |
| Cash and noninterest-bearing balances to assets | 4.00% |
| Cash and securities | $184.6M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $4.2M |
| Other borrowed money | $47.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.05% |
| Net loans and leases to deposits | 71.21% |
| Loans and leases to core deposits | 89.33% |
| Core deposits to total deposits | 77.09% |
| Brokered deposits to total deposits | 3.56% |
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 | 62.63% | 80.33% | $4.2M | $45.0M |
| Q4 2023 | 64.49% | 78.72% | $5.7M | $45.0M |
| Q1 2024 | 63.27% | 77.73% | $3.6M | $45.0M |
| Q2 2024 | 63.49% | 77.85% | $3.4M | $45.0M |
| Q3 2024 | 62.75% | 77.68% | $3.5M | $44.0M |
| Q4 2024 | 64.40% | 77.86% | $5.5M | $43.0M |
| Q1 2025 | 62.88% | 78.66% | $10.6M | $43.0M |
| Q2 2025 | 65.53% | 78.96% | $4.5M | $43.0M |
| Q3 2025 | 67.63% | 79.67% | $7.2M | $43.0M |
| Q4 2025 | 67.86% | 80.47% | $5.6M | $43.0M |
| Q1 2026 | 68.21% | 77.22% | $2.1M | $42.0M |
| Q2 2026 | 72.05% | 77.09% | $4.2M | $47.0M |
The City National Bank of Metropolis liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of Metropolis, 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 The City National Bank of Metropolis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3814) · FFIEC NIC profile (RSSD 298245)