Demotte 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: 27.0% higher than in Q1 2026, at $64.2M. On loan-to-deposit ratio, Demotte State Bank is 2nd from the bottom among 87 Indiana banks, 50.05% (Q2 2026). Demotte State Bank reported 50.05% on loan-to-deposit ratio for Q2 2026, 30.79 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 | $64.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $331.1M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 0.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $347K |
| Other borrowed money | $49.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.05% |
| Net loans and leases to deposits | 49.37% |
| Loans and leases to core deposits | 53.75% |
| Core deposits to total deposits | 93.12% |
| 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 | 53.69% | 94.94% | $675K | $46.0M |
| Q4 2023 | 54.18% | 95.55% | $472K | $46.0M |
| Q1 2024 | 56.01% | 94.85% | $860K | $56.0M |
| Q2 2024 | 56.28% | 94.55% | $431K | $51.0M |
| Q3 2024 | 57.47% | 93.87% | $259K | $51.0M |
| Q4 2024 | 55.57% | 94.32% | $75K | $51.0M |
| Q1 2025 | 55.60% | 93.59% | $502K | $51.0M |
| Q2 2025 | 54.23% | 93.39% | $0 | $51.0M |
| Q3 2025 | 54.93% | 92.99% | $305K | $49.0M |
| Q4 2025 | 49.91% | 94.01% | $353K | $49.0M |
| Q1 2026 | 50.38% | 92.94% | $549K | $49.0M |
| Q2 2026 | 50.05% | 93.12% | $347K | $49.0M |
Demotte State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Demotte 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 Demotte State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15883) · FFIEC NIC profile (RSSD 539340)