First Federal Savings Bank of Mascoutah, Illinois: 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: 2.50 percentage points higher than in Q1 2026, at 105.65%. Within Illinois, First Federal Savings Bank of Mascoutah, Illinois is 72nd of 323 on loan-to-deposit ratio, 88.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings Bank of Mascoutah, Illinois sits 7.34 points higher, at 88.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.3M |
| 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 | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.18% |
| Net loans and leases to deposits | 87.31% |
| Loans and leases to core deposits | 105.65% |
| Core deposits to total deposits | 83.47% |
| 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 | 92.06% | 89.76% | $0 | $11.0M |
| Q4 2023 | 91.77% | 89.66% | $0 | $8.8M |
| Q1 2024 | 88.00% | 90.01% | $0 | $5.8M |
| Q2 2024 | 83.90% | 90.09% | $0 | $0 |
| Q3 2024 | 88.59% | 90.22% | $0 | $6.0M |
| Q4 2024 | 92.94% | 90.74% | $0 | $8.9M |
| Q1 2025 | 87.56% | 90.04% | $0 | $0 |
| Q2 2025 | 87.09% | 88.73% | $0 | $0 |
| Q3 2025 | 88.90% | 88.55% | $0 | $1.5M |
| Q4 2025 | 85.37% | 84.53% | $0 | $0 |
| Q1 2026 | 86.66% | 84.02% | $0 | $0 |
| Q2 2026 | 88.18% | 83.47% | $0 | $1.0M |
First Federal Savings Bank of Mascoutah, Illinois liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Mascoutah, Illinois, 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 First Federal Savings Bank of Mascoutah, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30969) · FFIEC NIC profile (RSSD 966272)