Foresight 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.
Fed funds sold and reverse repos dropped 67.0% in Q2 2026, from $3.9M to $1.3M. It was the largest change from Q1 2026 among the key lines here. Foresight Bank ranks 168th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 74.86% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Foresight Bank sits 13.34 points lower, at 74.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $66.5M |
| Cash and noninterest-bearing balances to assets | 3.81% |
| Cash and securities | $529.5M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.08% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $33.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.86% |
| Net loans and leases to deposits | 73.99% |
| Loans and leases to core deposits | 83.73% |
| Core deposits to total deposits | 88.67% |
| Brokered deposits to total deposits | 0.74% |
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 | 85.19% | 82.62% | $0 | $3.5M |
| Q4 2023 | 83.89% | 81.95% | $0 | $3.0M |
| Q1 2024 | 82.49% | 84.22% | $0 | $4.0M |
| Q2 2024 | 82.72% | 84.64% | $0 | $5.5M |
| Q3 2024 | 83.30% | 84.89% | $0 | $5.5M |
| Q4 2024 | 77.35% | 84.14% | $0 | $6.7M |
| Q1 2025 | 76.18% | 86.07% | $0 | $6.6M |
| Q2 2025 | 81.18% | 91.36% | $12.5M | $39.9M |
| Q3 2025 | 81.79% | 90.65% | $26.4M | $37.7M |
| Q4 2025 | 79.63% | 88.78% | $0 | $53.4M |
| Q1 2026 | 72.85% | 85.99% | $0 | $36.7M |
| Q2 2026 | 74.86% | 88.67% | $0 | $33.5M |
Foresight Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Foresight 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 Foresight Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5749) · FFIEC NIC profile (RSSD 556936)