The Federal 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 Loans and leases to core deposits: 5.15 percentage points higher than in Q1 2026, at 158.01%. On loan-to-deposit ratio, The Federal Savings Bank ranks 2nd highest among the 323 banks headquartered in Illinois, at 130.66% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Federal Savings Bank sits 42.46 points higher, at 130.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $46.7M |
| Cash and noninterest-bearing balances to assets | 4.32% |
| Cash and securities | $50.2M |
| 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 | $130.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 130.66% |
| Net loans and leases to deposits | 129.86% |
| Loans and leases to core deposits | 158.01% |
| Core deposits to total deposits | 54.71% |
| Brokered deposits to total deposits | 27.98% |
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 | 145.82% | 58.87% | $0 | $332.0M |
| Q4 2023 | 141.60% | 59.04% | $0 | $327.0M |
| Q1 2024 | 138.31% | 59.50% | $0 | $316.0M |
| Q2 2024 | 146.98% | 54.39% | $0 | $282.0M |
| Q3 2024 | 133.67% | 57.62% | $0 | $222.0M |
| Q4 2024 | 127.49% | 56.74% | $0 | $207.0M |
| Q1 2025 | 131.52% | 57.06% | $0 | $210.0M |
| Q2 2025 | 138.46% | 56.50% | $0 | $240.0M |
| Q3 2025 | 136.22% | 56.50% | $0 | $195.0M |
| Q4 2025 | 122.10% | 52.56% | $0 | $100.0M |
| Q1 2026 | 126.42% | 55.41% | $0 | $110.0M |
| Q2 2026 | 130.66% | 54.71% | $0 | $130.0M |
The Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Federal 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 The Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35518) · FFIEC NIC profile (RSSD 2806877)