Kalamazoo County 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.68 percentage points higher than in Q1 2026, at 61.78%. Within Michigan, Kalamazoo County State Bank is 64th of 72 on loan-to-deposit ratio, 58.15% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Kalamazoo County State Bank sits 22.68 points lower, at 58.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.2M |
| 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 | 58.15% |
| Net loans and leases to deposits | 57.67% |
| Loans and leases to core deposits | 61.78% |
| Core deposits to total deposits | 94.13% |
| 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 | 54.50% | 96.64% | $0 | $4.0M |
| Q4 2023 | 55.21% | 96.55% | $0 | $3.0M |
| Q1 2024 | 55.21% | 96.71% | $0 | $2.0M |
| Q2 2024 | 55.02% | 96.74% | $0 | $0 |
| Q3 2024 | 54.26% | 95.44% | $0 | $0 |
| Q4 2024 | 51.92% | 94.43% | $0 | $0 |
| Q1 2025 | 50.37% | 93.94% | $0 | $0 |
| Q2 2025 | 50.93% | 94.03% | $0 | $0 |
| Q3 2025 | 49.28% | 94.33% | $0 | $0 |
| Q4 2025 | 52.59% | 93.81% | $0 | $0 |
| Q1 2026 | 54.75% | 94.23% | $0 | $0 |
| Q2 2026 | 58.15% | 94.13% | $0 | $0 |
Kalamazoo County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kalamazoo County 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 Kalamazoo County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5892) · FFIEC NIC profile (RSSD 644141)