INB, 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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 5.79 percentage points higher than in Q1 2026, at 37.57%. Within Illinois, INB, N.A. is 119th of 323 on loan-to-deposit ratio, 80.93% as of Q2 2026, above the middle of the field. INB, N.A. reported 80.93% on loan-to-deposit ratio for Q2 2026, 7.27 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $573.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $676.4M |
| 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 | $1.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.93% |
| Net loans and leases to deposits | 80.07% |
| Loans and leases to core deposits | 82.12% |
| Core deposits to total deposits | 60.98% |
| Brokered deposits to total deposits | 37.57% |
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 | 92.16% | 66.82% | $0 | $1.6M |
| Q4 2023 | 91.06% | 66.47% | $0 | $1.6M |
| Q1 2024 | 93.37% | 68.22% | $0 | $1.6M |
| Q2 2024 | 93.29% | 65.78% | $0 | $1.6M |
| Q3 2024 | 92.46% | 64.31% | $0 | $1.6M |
| Q4 2024 | 90.02% | 64.39% | $0 | $1.6M |
| Q1 2025 | 92.03% | 64.91% | $0 | $1.6M |
| Q2 2025 | 90.54% | 64.42% | $0 | $1.6M |
| Q3 2025 | 87.48% | 63.06% | $0 | $1.5M |
| Q4 2025 | 87.92% | 63.11% | $0 | $1.5M |
| Q1 2026 | 86.11% | 66.62% | $0 | $1.5M |
| Q2 2026 | 80.93% | 60.98% | $0 | $1.5M |
INB, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock INB, 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 INB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3664) · FFIEC NIC profile (RSSD 925037)