Exchange 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.
Cash and balances due from depository institutions fell 5.8% from Q1 2026 to Q2 2026, ending at $12.3M against $13.0M. It was the largest change among the key lines on this page. Within Illinois, Exchange State Bank is 240th of 323 on loan-to-deposit ratio, 62.84% as of Q2 2026. Exchange State Bank reported 62.84% on loan-to-deposit ratio for Q2 2026, 17.71 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.9M |
| 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 | $3.1M |
| Other borrowed money | $77K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.84% |
| Net loans and leases to deposits | 62.18% |
| Loans and leases to core deposits | 70.75% |
| Core deposits to total deposits | 88.83% |
| 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 | 61.34% | 86.16% | $7.0M | $648K |
| Q4 2023 | 63.70% | 86.91% | $2.6M | $4.6M |
| Q1 2024 | 65.05% | 85.64% | $2.6M | $5.6M |
| Q2 2024 | 64.05% | 87.54% | $2.7M | $5.6M |
| Q3 2024 | 59.51% | 81.11% | $2.7M | $123K |
| Q4 2024 | 62.91% | 87.53% | $2.7M | $117K |
| Q1 2025 | 63.53% | 88.75% | $2.8M | $110K |
| Q2 2025 | 57.94% | 92.73% | $2.8M | $104K |
| Q3 2025 | 62.23% | 93.30% | $2.8M | $97K |
| Q4 2025 | 66.56% | 86.48% | $4.1M | $91K |
| Q1 2026 | 62.94% | 88.56% | $3.1M | $84K |
| Q2 2026 | 62.84% | 88.83% | $3.1M | $77K |
Exchange State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12402) · FFIEC NIC profile (RSSD 769334)