The First Trust and Savings Bank of Watseka: 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.
Cash and balances due from depository institutions dropped 52.7% in Q2 2026, from $22.8M to $10.8M. It was the largest change from Q1 2026 among the key lines here. The First Trust and Savings Bank of Watseka ranks 265th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 53.80% (Q2 2026). The First Trust and Savings Bank of Watseka reported 53.80% on loan-to-deposit ratio for Q2 2026, 27.04 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $178.3M |
| 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 | $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 | 53.80% |
| Net loans and leases to deposits | 53.21% |
| Loans and leases to core deposits | 59.35% |
| Core deposits to total deposits | 90.64% |
| 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 | 55.32% | 97.61% | $0 | $0 |
| Q4 2023 | 60.37% | 96.37% | $0 | $0 |
| Q1 2024 | 60.19% | 91.42% | $0 | $0 |
| Q2 2024 | 62.15% | 89.40% | $0 | $0 |
| Q3 2024 | 61.23% | 88.44% | $0 | $0 |
| Q4 2024 | 62.52% | 89.00% | $0 | $0 |
| Q1 2025 | 58.49% | 91.56% | $0 | $0 |
| Q2 2025 | 60.22% | 92.45% | $0 | $0 |
| Q3 2025 | 63.26% | 93.14% | $0 | $0 |
| Q4 2025 | 63.15% | 92.83% | $1.4M | $0 |
| Q1 2026 | 56.31% | 91.67% | $0 | $0 |
| Q2 2026 | 53.80% | 90.64% | $0 | $0 |
The First Trust and Savings Bank of Watseka liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Trust and Savings Bank of Watseka, 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 First Trust and Savings Bank of Watseka profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10831) · FFIEC NIC profile (RSSD 193649)