Illini 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.
Fed funds purchased and repos climbed 31.0% in Q2 2026, from $2.9M to $3.8M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Illini State Bank is 89th of 323 on loan-to-deposit ratio, 86.50% as of Q2 2026, above the middle of the field. Illini State Bank reported 86.50% on loan-to-deposit ratio for Q2 2026, 5.66 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.7M |
| 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 | $3.8M |
| Other borrowed money | $18.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.50% |
| Net loans and leases to deposits | 85.51% |
| Loans and leases to core deposits | 103.00% |
| Core deposits to total deposits | 70.32% |
| Brokered deposits to total deposits | 13.66% |
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 | 80.77% | 77.81% | $3.2M | $15.0M |
| Q4 2023 | 82.49% | 78.43% | $3.3M | $15.0M |
| Q1 2024 | 84.19% | 75.61% | $2.8M | $20.0M |
| Q2 2024 | 89.44% | 74.99% | $2.6M | $20.0M |
| Q3 2024 | 90.16% | 76.18% | $3.7M | $20.0M |
| Q4 2024 | 86.91% | 74.43% | $3.0M | $18.5M |
| Q1 2025 | 85.79% | 74.77% | $2.8M | $16.0M |
| Q2 2025 | 83.54% | 74.93% | $3.0M | $16.5M |
| Q3 2025 | 85.72% | 65.88% | $3.2M | $16.5M |
| Q4 2025 | 87.74% | 66.45% | $3.3M | $21.0M |
| Q1 2026 | 86.25% | 68.67% | $2.9M | $20.0M |
| Q2 2026 | 86.50% | 70.32% | $3.8M | $18.5M |
Illini State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Illini 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 Illini State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10788) · FFIEC NIC profile (RSSD 180845)