Crossroads 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: 3.35 percentage points higher than in Q1 2026, at 79.43%. Crossroads Bank ranks 187th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Crossroads Bank sits 8.23 points lower, at 72.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $85.1M |
| 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 | $5.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.61% |
| Net loans and leases to deposits | 71.86% |
| Loans and leases to core deposits | 79.43% |
| Core deposits to total deposits | 91.41% |
| 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 | 74.42% | 93.27% | $0 | $0 |
| Q4 2023 | 76.58% | 93.41% | $0 | $3.3M |
| Q1 2024 | 73.47% | 93.21% | $0 | $3.3M |
| Q2 2024 | 75.65% | 93.21% | $0 | $3.3M |
| Q3 2024 | 74.48% | 92.58% | $0 | $3.3M |
| Q4 2024 | 74.33% | 92.75% | $0 | $1.3M |
| Q1 2025 | 73.59% | 92.69% | $0 | $1.3M |
| Q2 2025 | 79.61% | 93.52% | $0 | $5.1M |
| Q3 2025 | 82.87% | 92.31% | $0 | $5.1M |
| Q4 2025 | 76.18% | 92.34% | $0 | $5.1M |
| Q1 2026 | 69.80% | 91.73% | $0 | $5.1M |
| Q2 2026 | 72.61% | 91.41% | $0 | $5.1M |
Crossroads Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads 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 Crossroads Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21486) · FFIEC NIC profile (RSSD 158741)