Lakeside 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 Other borrowed money: 22.8% lower than in Q1 2026, at $66.0M. Lakeside Bank ranks 42nd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 94.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Lakeside Bank sits 6.40 points higher, at 94.60% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $233.9M |
| Cash and noninterest-bearing balances to assets | 8.21% |
| Cash and securities | $415.3M |
| 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 | $66.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.60% |
| Net loans and leases to deposits | 93.44% |
| Loans and leases to core deposits | 102.99% |
| Core deposits to total deposits | 89.39% |
| Brokered deposits to total deposits | 2.47% |
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 | 94.08% | 79.94% | $0 | $177.0M |
| Q4 2023 | 93.05% | 80.64% | $0 | $184.0M |
| Q1 2024 | 93.92% | 80.31% | $0 | $166.5M |
| Q2 2024 | 96.62% | 81.58% | $0 | $154.0M |
| Q3 2024 | 97.74% | 81.95% | $0 | $145.0M |
| Q4 2024 | 91.80% | 83.45% | $0 | $112.5M |
| Q1 2025 | 99.95% | 84.59% | $0 | $164.5M |
| Q2 2025 | 96.20% | 86.07% | $0 | $124.5M |
| Q3 2025 | 92.57% | 87.66% | $0 | $112.5M |
| Q4 2025 | 93.39% | 88.26% | $0 | $100.5M |
| Q1 2026 | 93.28% | 88.80% | $0 | $85.5M |
| Q2 2026 | 94.60% | 89.39% | $0 | $66.0M |
Lakeside Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lakeside 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 Lakeside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19573) · FFIEC NIC profile (RSSD 201834)