First State Bank Shannon-Polo: 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 Q3 2026 was in Core deposits to total deposits: 2.07 percentage points lower than in Q2 2026, at 87.60%. First State Bank Shannon-Polo ranks 233rd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.24% (Q3 2026). First State Bank Shannon-Polo reported 64.24% on loan-to-deposit ratio for Q3 2026, 16.60 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $4.4M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 64.24% |
| Net loans and leases to deposits | 63.47% |
| Loans and leases to core deposits | 73.33% |
| Core deposits to total deposits | 87.60% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 54.10% | 89.17% | $4.5M | $0 |
| Q1 2024 | 61.02% | 89.65% | $5.5M | $0 |
| Q2 2024 | 61.97% | 89.25% | $7.0M | $0 |
| Q3 2024 | 61.25% | 87.69% | $5.2M | $300K |
| Q4 2024 | 61.72% | 88.01% | $4.2M | $300K |
| Q1 2025 | 58.08% | 88.57% | $5.0M | $300K |
| Q2 2025 | 59.43% | 88.04% | $4.4M | $300K |
| Q3 2025 | 62.05% | 90.34% | $3.9M | $300K |
| Q4 2025 | 63.27% | 88.64% | $3.9M | $300K |
| Q1 2026 | 65.94% | 89.40% | $4.1M | $300K |
| Q2 2026 | 65.36% | 89.67% | $5.0M | $300K |
| Q3 2026 | 64.24% | 87.60% | $4.4M | $0 |
First State Bank Shannon-Polo 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 Shannon-Polo, 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 Shannon-Polo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1781) · FFIEC NIC profile (RSSD 232847)