Lake Forest 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 purchased and repos dropped 100.0% in Q2 2026, from $105.0M to $0. It was the largest change from Q1 2026 among the key lines here. Lake Forest Bank & Trust Company, N.A. ranks 40th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 94.95% (Q2 2026). Lake Forest Bank & Trust Company, N.A. reported 94.95% on loan-to-deposit ratio for Q2 2026, 6.74 points above 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 | $777.8M |
| Cash and noninterest-bearing balances to assets | 8.41% |
| Cash and securities | $1.87B |
| Fed funds sold and reverse repos | $4K |
| 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 | $905.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.79% |
| Trading liabilities | $54.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.95% |
| Net loans and leases to deposits | 94.16% |
| Loans and leases to core deposits | 104.57% |
| Core deposits to total deposits | 77.34% |
| Brokered deposits to total deposits | 13.54% |
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 | 88.48% | 80.25% | $23K | $687.8M |
| Q4 2023 | 91.58% | 80.78% | $4K | $697.5M |
| Q1 2024 | 96.01% | 78.40% | $90.0M | $637.4M |
| Q2 2024 | 91.40% | 75.02% | $0 | $935.3M |
| Q3 2024 | 97.57% | 76.91% | $0 | $978.6M |
| Q4 2024 | 95.16% | 78.41% | $0 | $873.2M |
| Q1 2025 | 89.36% | 76.67% | $0 | $869.6M |
| Q2 2025 | 87.01% | 81.13% | $0 | $976.3M |
| Q3 2025 | 90.37% | 82.30% | $0 | $937.9M |
| Q4 2025 | 92.52% | 81.76% | $0 | $958.1M |
| Q1 2026 | 97.41% | 79.83% | $105.0M | $877.0M |
| Q2 2026 | 94.95% | 77.34% | $0 | $905.7M |
Lake Forest 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 Lake Forest 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 Lake Forest Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27589) · FFIEC NIC profile (RSSD 1917301)