Cornerstone National Bank & Trust Company: 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 Loan-to-deposit ratio: 4.38 percentage points higher than in Q1 2026, at 88.89%. Within Illinois, Cornerstone National Bank & Trust Company is 68th of 323 on loan-to-deposit ratio, 88.89% as of Q2 2026, above the middle of the field. At 88.89%, Cornerstone National Bank & Trust Company's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $205.3M |
| 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 | 88.89% |
| Net loans and leases to deposits | 87.78% |
| Loans and leases to core deposits | 92.11% |
| Core deposits to total deposits | 96.50% |
| 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 | 74.24% | 96.82% | $10.9M | $0 |
| Q4 2023 | 75.70% | 96.93% | $4.1M | $0 |
| Q1 2024 | 71.84% | 96.90% | $1.1M | $0 |
| Q2 2024 | 72.54% | 97.03% | $0 | $0 |
| Q3 2024 | 72.62% | 97.22% | $0 | $0 |
| Q4 2024 | 74.73% | 96.19% | $0 | $0 |
| Q1 2025 | 73.95% | 96.45% | $0 | $0 |
| Q2 2025 | 77.00% | 96.43% | $0 | $0 |
| Q3 2025 | 79.37% | 96.37% | $0 | $0 |
| Q4 2025 | 81.17% | 96.17% | $0 | $0 |
| Q1 2026 | 84.51% | 96.18% | $0 | $0 |
| Q2 2026 | 88.89% | 96.50% | $0 | $0 |
Cornerstone National Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone National Bank & Trust Company, 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 Cornerstone National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57061) · FFIEC NIC profile (RSSD 2929392)