Dewey 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.
Loans and leases to core deposits climbed 4.47 percentage points in Q2 2026, from 91.15% to 95.62%. It was the largest change from Q1 2026 among the key lines here. Dewey Bank ranks 87th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 86.60% (Q2 2026). Dewey Bank reported 86.60% on loan-to-deposit ratio for Q2 2026, 19.27 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $6.4M |
| 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 | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.60% |
| Net loans and leases to deposits | 86.19% |
| Loans and leases to core deposits | 95.62% |
| Core deposits to total deposits | 90.57% |
| 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 | 72.09% | 96.76% | $0 | $0 |
| Q4 2023 | 79.13% | 94.21% | $0 | $1.0M |
| Q1 2024 | 76.70% | 91.83% | $0 | $0 |
| Q2 2024 | 79.77% | 94.91% | $0 | $2.2M |
| Q3 2024 | 79.72% | 85.19% | $0 | $0 |
| Q4 2024 | 82.64% | 92.03% | $159K | $0 |
| Q1 2025 | 75.07% | 86.33% | $0 | $0 |
| Q2 2025 | 82.00% | 89.60% | $0 | $0 |
| Q3 2025 | 80.90% | 90.56% | $0 | $0 |
| Q4 2025 | 86.91% | 86.83% | $0 | $1.0M |
| Q1 2026 | 83.98% | 92.14% | $0 | $0 |
| Q2 2026 | 86.60% | 90.57% | $0 | $1.0M |
Dewey Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewey 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 Dewey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10803) · FFIEC NIC profile (RSSD 846132)