Clay County 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 Cash and balances due from depository institutions: 36.8% lower than in Q1 2026, at $13.6M. Within Illinois, Clay County State Bank is 277th of 323 on loan-to-deposit ratio, 51.56% as of Q2 2026, below the middle of the field. Clay County State Bank reported 51.56% on loan-to-deposit ratio for Q2 2026, 29.28 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 | $13.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.4M |
| Fed funds sold and reverse repos | $989K |
| Fed funds sold and reverse repos to assets | 0.95% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $336K |
| 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 | 51.56% |
| Net loans and leases to deposits | 51.06% |
| Loans and leases to core deposits | 52.83% |
| Core deposits to total deposits | 97.58% |
| 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 | 46.58% | 99.09% | $401K | $0 |
| Q4 2023 | 52.20% | 91.27% | $401K | $0 |
| Q1 2024 | 48.82% | 91.27% | $386K | $0 |
| Q2 2024 | 49.79% | 89.82% | $386K | $0 |
| Q3 2024 | 50.36% | 97.54% | $336K | $0 |
| Q4 2024 | 47.90% | 97.20% | $336K | $0 |
| Q1 2025 | 48.99% | 97.43% | $336K | $0 |
| Q2 2025 | 52.33% | 97.25% | $336K | $0 |
| Q3 2025 | 51.41% | 97.62% | $336K | $0 |
| Q4 2025 | 50.32% | 97.67% | $336K | $0 |
| Q1 2026 | 49.53% | 97.66% | $336K | $0 |
| Q2 2026 | 51.56% | 97.58% | $336K | $0 |
Clay County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Clay County 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 Clay County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10821) · FFIEC NIC profile (RSSD 498942)