Federated 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.
Loans and leases to core deposits climbed 2.30 percentage points in Q2 2026, from 78.08% to 80.38%. It was the largest change from Q1 2026 among the key lines here. Federated Bank ranks 162nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 75.40% (Q2 2026). Federated Bank reported 75.40% on loan-to-deposit ratio for Q2 2026, 5.15 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 | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.8M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.40% |
| Net loans and leases to deposits | 74.78% |
| Loans and leases to core deposits | 80.38% |
| Core deposits to total deposits | 93.81% |
| 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 | 48.27% | 95.90% | $0 | $1.2M |
| Q4 2023 | 50.41% | 95.86% | $0 | $3.7M |
| Q1 2024 | 52.62% | 95.67% | $0 | $4.8M |
| Q2 2024 | 53.45% | 95.57% | $0 | $6.6M |
| Q3 2024 | 55.89% | 95.27% | $0 | $7.9M |
| Q4 2024 | 54.42% | 94.76% | $0 | $0 |
| Q1 2025 | 52.61% | 94.98% | $0 | $0 |
| Q2 2025 | 62.17% | 94.17% | $0 | $0 |
| Q3 2025 | 69.45% | 92.87% | $0 | $0 |
| Q4 2025 | 71.53% | 94.17% | $0 | $0 |
| Q1 2026 | 73.39% | 93.99% | $0 | $0 |
| Q2 2026 | 75.40% | 93.81% | $0 | $0 |
Federated Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Federated 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 Federated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10464) · FFIEC NIC profile (RSSD 640143)