Elk 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: 38.8% lower than in Q1 2026, at $3.4M. Elk State Bank ranks 107th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 71.35% (Q2 2026). Elk State Bank reported 71.35% on loan-to-deposit ratio for Q2 2026, 9.60 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $57.1M |
| 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 | $2.4M |
| Other borrowed money | $16.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.35% |
| Net loans and leases to deposits | 70.40% |
| Loans and leases to core deposits | 75.21% |
| Core deposits to total deposits | 89.33% |
| Brokered deposits to total deposits | 5.53% |
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 | 66.72% | 95.34% | $501K | $23.0M |
| Q4 2023 | 70.02% | 91.93% | $2.8M | $24.9M |
| Q1 2024 | 64.87% | 89.43% | $0 | $24.7M |
| Q2 2024 | 70.88% | 88.74% | $2.8M | $25.6M |
| Q3 2024 | 68.31% | 85.07% | $0 | $24.7M |
| Q4 2024 | 72.41% | 83.78% | $2.7M | $24.6M |
| Q1 2025 | 68.25% | 86.98% | $0 | $23.3M |
| Q2 2025 | 69.68% | 84.83% | $0 | $23.5M |
| Q3 2025 | 69.04% | 89.48% | $0 | $24.0M |
| Q4 2025 | 76.00% | 87.92% | $3.5M | $24.5M |
| Q1 2026 | 67.76% | 87.93% | $0 | $16.9M |
| Q2 2026 | 71.35% | 89.33% | $2.4M | $16.7M |
Elk State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Elk 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 Elk State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15259) · FFIEC NIC profile (RSSD 679451)