The Gerber 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.
Cash and balances due from depository institutions dropped 46.5% in Q2 2026, from $3.4M to $1.8M. It was the largest change from Q1 2026 among the key lines here. The Gerber State Bank ranks 243rd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 61.14% (Q2 2026). The Gerber State Bank reported 61.14% on loan-to-deposit ratio for Q2 2026, 19.41 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.9M |
| 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 | $12.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.44% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.14% |
| Net loans and leases to deposits | 60.21% |
| Loans and leases to core deposits | 71.02% |
| Core deposits to total deposits | 86.08% |
| 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 | 47.54% | 96.41% | $0 | $0 |
| Q4 2023 | 51.44% | 96.14% | $2.5M | $0 |
| Q1 2024 | 51.44% | 96.08% | $0 | $672K |
| Q2 2024 | 54.51% | 92.43% | $2.1M | $793K |
| Q3 2024 | 51.32% | 92.87% | $0 | $813K |
| Q4 2024 | 55.58% | 93.68% | $1.8M | $793K |
| Q1 2025 | 52.52% | 93.72% | $0 | $1.0M |
| Q2 2025 | 59.12% | 92.84% | $1.6M | $2.0M |
| Q3 2025 | 54.83% | 91.51% | $0 | $9.0M |
| Q4 2025 | 61.48% | 91.04% | $2.3M | $10.8M |
| Q1 2026 | 58.22% | 87.04% | $0 | $10.8M |
| Q2 2026 | 61.14% | 86.08% | $0 | $12.5M |
The Gerber State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Gerber 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 The Gerber State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 899) · FFIEC NIC profile (RSSD 663638)