Itasca Bank & Trust Co.: 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 Loans and leases to core deposits: 3.70 percentage points higher than in Q1 2026, at 98.65%. Within Illinois, Itasca Bank & Trust Co. is 115th of 323 on loan-to-deposit ratio, 81.87% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Itasca Bank & Trust Co. reported 81.87% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $185.3M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.87% |
| Net loans and leases to deposits | 80.72% |
| Loans and leases to core deposits | 98.65% |
| Core deposits to total deposits | 82.99% |
| 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 | 74.73% | 85.16% | $0 | $0 |
| Q4 2023 | 75.27% | 84.34% | $0 | $0 |
| Q1 2024 | 76.33% | 83.53% | $0 | $0 |
| Q2 2024 | 78.45% | 83.08% | $0 | $0 |
| Q3 2024 | 75.10% | 83.15% | $0 | $0 |
| Q4 2024 | 75.78% | 83.56% | $0 | $0 |
| Q1 2025 | 77.39% | 83.91% | $0 | $0 |
| Q2 2025 | 80.90% | 83.40% | $0 | $0 |
| Q3 2025 | 79.97% | 84.40% | $0 | $0 |
| Q4 2025 | 79.31% | 84.12% | $0 | $0 |
| Q1 2026 | 79.05% | 83.25% | $0 | $0 |
| Q2 2026 | 81.87% | 82.99% | $0 | $0 |
Itasca Bank & Trust Co. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Itasca Bank & Trust Co., 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 Itasca Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16666) · FFIEC NIC profile (RSSD 812436)