Du Quoin 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 largest change between Q1 2026 and Q2 2026 was in Loans and leases to core deposits, which fell 0.62 percentage points to 35.87%. On loan-to-deposit ratio, Du Quoin State Bank is 12th from the bottom among 323 Illinois banks, 34.74% (Q2 2026). Du Quoin State Bank's loan-to-deposit ratio of 34.74% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 46.10 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.5M |
| Fed funds sold and reverse repos | $6.1M |
| Fed funds sold and reverse repos to assets | 4.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 34.74% |
| Net loans and leases to deposits | 34.24% |
| Loans and leases to core deposits | 35.87% |
| Core deposits to total deposits | 96.86% |
| 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 | 29.22% | 98.98% | $0 | $7.9M |
| Q4 2023 | 28.12% | 99.11% | $0 | $7.7M |
| Q1 2024 | 28.82% | 99.13% | $0 | $7.6M |
| Q2 2024 | 30.32% | 97.42% | $0 | $6.4M |
| Q3 2024 | 33.41% | 97.50% | $0 | $6.3M |
| Q4 2024 | 35.19% | 97.21% | $0 | $6.2M |
| Q1 2025 | 31.89% | 96.99% | $0 | $6.0M |
| Q2 2025 | 35.04% | 97.66% | $0 | $5.9M |
| Q3 2025 | 37.75% | 97.13% | $0 | $5.7M |
| Q4 2025 | 37.03% | 96.91% | $0 | $5.6M |
| Q1 2026 | 35.34% | 96.84% | $0 | $5.5M |
| Q2 2026 | 34.74% | 96.86% | $0 | $5.3M |
Du Quoin State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Du Quoin 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 Du Quoin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10804) · FFIEC NIC profile (RSSD 823142)