Hinsdale Bank & Trust Company, N.A.: 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 35.3% in Q2 2026, from $17.0M to $23.0M. It was the largest change from Q1 2026 among the key lines here. Hinsdale Bank & Trust Company, N.A. ranks 59th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 90.00% (Q2 2026). At 90.00%, Hinsdale Bank & Trust Company, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $385.6M |
| Cash and noninterest-bearing balances to assets | 5.33% |
| Cash and securities | $1.48B |
| Fed funds sold and reverse repos | $23.0M |
| Fed funds sold and reverse repos to assets | 0.34% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $478.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.03% |
| Trading liabilities | $6.7M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.00% |
| Net loans and leases to deposits | 89.40% |
| Loans and leases to core deposits | 97.07% |
| Core deposits to total deposits | 79.63% |
| Brokered deposits to total deposits | 13.47% |
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 | 87.01% | 82.55% | $0 | $208.1M |
| Q4 2023 | 87.47% | 82.66% | $0 | $208.1M |
| Q1 2024 | 86.22% | 81.36% | $0 | $258.1M |
| Q2 2024 | 91.62% | 79.30% | $0 | $433.1M |
| Q3 2024 | 92.49% | 80.42% | $70.0M | $428.1M |
| Q4 2024 | 93.35% | 80.31% | $0 | $428.0M |
| Q1 2025 | 92.31% | 80.69% | $0 | $428.1M |
| Q2 2025 | 93.09% | 80.75% | $0 | $428.1M |
| Q3 2025 | 91.37% | 81.34% | $0 | $428.1M |
| Q4 2025 | 93.15% | 81.01% | $32.0M | $478.1M |
| Q1 2026 | 89.31% | 80.87% | $0 | $478.1M |
| Q2 2026 | 90.00% | 79.63% | $0 | $478.1M |
Hinsdale Bank & Trust Company, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hinsdale Bank & Trust Company, N.A., 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 Hinsdale Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33849) · FFIEC NIC profile (RSSD 2119773)