Dewitt 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 9.25 percentage points lower than in Q1 2026, at 9.93%. Dewitt Savings Bank ranks 246th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 59.47% (Q2 2026). Dewitt Savings Bank reported 59.47% on loan-to-deposit ratio for Q2 2026, 21.37 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 | $4.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $81.5M |
| 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 | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.47% |
| Net loans and leases to deposits | 59.15% |
| Loans and leases to core deposits | 67.96% |
| Core deposits to total deposits | 77.57% |
| Brokered deposits to total deposits | 9.93% |
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 | 66.97% | 88.67% | $0 | $8.0M |
| Q4 2023 | 65.87% | 88.82% | $0 | $7.0M |
| Q1 2024 | 69.38% | 89.92% | $0 | $7.0M |
| Q2 2024 | 68.72% | 89.97% | $0 | $5.0M |
| Q3 2024 | 70.53% | 90.06% | $0 | $7.5M |
| Q4 2024 | 68.19% | 88.62% | $0 | $5.0M |
| Q1 2025 | 63.51% | 89.64% | $0 | $5.0M |
| Q2 2025 | 59.00% | 89.66% | $0 | $7.5M |
| Q3 2025 | 59.19% | 56.78% | $0 | $7.0M |
| Q4 2025 | 59.08% | 67.30% | $0 | $10.0M |
| Q1 2026 | 54.58% | 70.12% | $0 | $0 |
| Q2 2026 | 59.47% | 77.57% | $0 | $15.0M |
Dewitt Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewitt 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 Dewitt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29535) · FFIEC NIC profile (RSSD 324975)