Flora Bank & Trust: 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 Cash and balances due from depository institutions: 21.7% higher than in Q1 2026, at $19.7M. Within Illinois, Flora Bank & Trust is 267th of 323 on loan-to-deposit ratio, 53.18% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Flora Bank & Trust sits 27.66 points lower, at 53.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.5M |
| 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 | 53.18% |
| Net loans and leases to deposits | 52.98% |
| Loans and leases to core deposits | 55.67% |
| Core deposits to total deposits | 95.53% |
| Brokered deposits to total deposits | 2.30% |
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 | 50.52% | 76.11% | $0 | $0 |
| Q4 2023 | 51.69% | 76.55% | $0 | $0 |
| Q1 2024 | 52.42% | 75.17% | $0 | $0 |
| Q2 2024 | 52.06% | 69.85% | $0 | $0 |
| Q3 2024 | 54.00% | 74.90% | $0 | $0 |
| Q4 2024 | 56.21% | 84.43% | $0 | $0 |
| Q1 2025 | 54.49% | 92.55% | $0 | $0 |
| Q2 2025 | 52.55% | 93.79% | $0 | $0 |
| Q3 2025 | 53.04% | 96.19% | $0 | $0 |
| Q4 2025 | 56.64% | 96.68% | $0 | $0 |
| Q1 2026 | 55.25% | 96.80% | $0 | $0 |
| Q2 2026 | 53.18% | 95.53% | $0 | $0 |
Flora Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Flora Bank & Trust, 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 Flora Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22598) · FFIEC NIC profile (RSSD 777441)