Flanagan State 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 83.8% lower than in Q1 2026, at $2.4M. Flanagan State Bank ranks 222nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 66.28% (Q2 2026). Flanagan State Bank reported 66.28% on loan-to-deposit ratio for Q2 2026, 14.56 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 | $8.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $101.2M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 0.79% |
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 | 66.28% |
| Net loans and leases to deposits | 65.65% |
| Loans and leases to core deposits | 76.29% |
| Core deposits to total deposits | 86.88% |
| 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 | 58.34% | 89.01% | $0 | $16.0M |
| Q4 2023 | 57.30% | 87.72% | $0 | $10.0M |
| Q1 2024 | 58.85% | 87.38% | $1.2M | $5.0M |
| Q2 2024 | 64.66% | 86.01% | $2.9M | $19.0M |
| Q3 2024 | 67.97% | 85.57% | $1.0M | $25.0M |
| Q4 2024 | 66.61% | 85.66% | $0 | $15.0M |
| Q1 2025 | 62.53% | 86.04% | $0 | $5.0M |
| Q2 2025 | 68.89% | 85.27% | $0 | $15.0M |
| Q3 2025 | 68.82% | 84.96% | $0 | $12.5M |
| Q4 2025 | 70.35% | 85.10% | $0 | $13.0M |
| Q1 2026 | 63.15% | 85.54% | $0 | $0 |
| Q2 2026 | 66.28% | 86.88% | $0 | $0 |
Flanagan State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Flanagan State 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 Flanagan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11734) · FFIEC NIC profile (RSSD 979133)