First State Bank of Beecher City: 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 Fed funds sold and reverse repos: 39.1% lower than in Q1 2026, at $5.8M. First State Bank of Beecher City ranks 64th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 89.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Beecher City sits 8.61 points higher, at 89.45% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.2M |
| Fed funds sold and reverse repos | $5.8M |
| Fed funds sold and reverse repos to assets | 5.18% |
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 | 89.45% |
| Net loans and leases to deposits | 87.93% |
| Loans and leases to core deposits | 92.77% |
| Core deposits to total deposits | 96.42% |
| 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 | 82.73% | 92.67% | $0 | $0 |
| Q4 2023 | 81.96% | 90.58% | $0 | $0 |
| Q1 2024 | 85.09% | 90.39% | $0 | $0 |
| Q2 2024 | 87.19% | 91.68% | $0 | $0 |
| Q3 2024 | 92.00% | 91.15% | $0 | $0 |
| Q4 2024 | 89.30% | 90.40% | $0 | $0 |
| Q1 2025 | 84.40% | 90.56% | $0 | $0 |
| Q2 2025 | 87.15% | 93.74% | $0 | $0 |
| Q3 2025 | 91.16% | 93.57% | $0 | $0 |
| Q4 2025 | 88.81% | 94.52% | $0 | $0 |
| Q1 2026 | 85.66% | 96.24% | $0 | $0 |
| Q2 2026 | 89.45% | 96.42% | $0 | $0 |
First State Bank of Beecher City liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Beecher City, 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 State Bank of Beecher City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10871) · FFIEC NIC profile (RSSD 601041)