Fortress 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 climbed 151.5% in Q2 2026, from $1.6M to $4.2M. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, Fortress Bank sits 16th from the top on loan-to-deposit ratio, 100.68% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Fortress Bank sits 19.84 points higher, at 100.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $61.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $147.4M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 0.46% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $685K |
| Other borrowed money | $110.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.68% |
| Net loans and leases to deposits | 99.41% |
| Loans and leases to core deposits | 103.45% |
| Core deposits to total deposits | 96.74% |
| Brokered deposits to total deposits | 0.59% |
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 | 98.50% | 94.19% | $5.2M | $50.0M |
| Q4 2023 | 99.31% | 89.70% | $1.3M | $60.0M |
| Q1 2024 | 95.66% | 90.83% | $966K | $33.0M |
| Q2 2024 | 98.66% | 91.34% | $1.0M | $43.0M |
| Q3 2024 | 97.38% | 90.18% | $1.1M | $41.0M |
| Q4 2024 | 98.01% | 87.60% | $930K | $48.0M |
| Q1 2025 | 99.78% | 89.04% | $672K | $55.8M |
| Q2 2025 | 100.43% | 91.12% | $768K | $70.0M |
| Q3 2025 | 99.29% | 91.17% | $877K | $58.6M |
| Q4 2025 | 93.63% | 92.22% | $538K | $39.3M |
| Q1 2026 | 102.07% | 95.27% | $631K | $76.5M |
| Q2 2026 | 100.68% | 96.74% | $685K | $110.5M |
Fortress Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortress 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 Fortress Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9632) · FFIEC NIC profile (RSSD 953535)