Community Savings 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.
Cash and balances due from depository institutions climbed 19.2% in Q2 2026, from $11.4M to $13.6M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Community Savings Bank is 221st of 323 on loan-to-deposit ratio, 66.29% as of Q2 2026, below the middle of the field. Community Savings Bank reported 66.29% on loan-to-deposit ratio for Q2 2026, 14.55 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 | $154.0M |
| Fed funds sold and reverse repos | $201K |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.29% |
| Net loans and leases to deposits | 65.61% |
| Loans and leases to core deposits | 73.30% |
| Core deposits to total deposits | 90.44% |
| 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 | 60.32% | 92.67% | $0 | $9.0M |
| Q4 2023 | 59.76% | 92.76% | $0 | $20.0M |
| Q1 2024 | 60.00% | 92.29% | $0 | $20.0M |
| Q2 2024 | 62.06% | 92.50% | $0 | $15.0M |
| Q3 2024 | 62.70% | 91.62% | $0 | $10.0M |
| Q4 2024 | 62.27% | 91.49% | $0 | $0 |
| Q1 2025 | 63.18% | 90.95% | $0 | $0 |
| Q2 2025 | 62.64% | 91.14% | $0 | $0 |
| Q3 2025 | 62.32% | 90.93% | $0 | $0 |
| Q4 2025 | 63.34% | 90.31% | $0 | $0 |
| Q1 2026 | 64.56% | 90.37% | $0 | $0 |
| Q2 2026 | 66.29% | 90.44% | $0 | $5.0M |
Community Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Savings 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 Community Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28841) · FFIEC NIC profile (RSSD 520777)