Lasalle 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.
Fed funds purchased and repos dropped 23.2% in Q2 2026, from $11.3M to $8.7M. It was the largest change from Q1 2026 among the key lines here. Lasalle State Bank ranks 260th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 55.01% (Q2 2026). Lasalle State Bank reported 55.01% on loan-to-deposit ratio for Q2 2026, 25.83 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.1M |
| 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 | $8.7M |
| Other borrowed money | $7.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.01% |
| Net loans and leases to deposits | 54.30% |
| Loans and leases to core deposits | 68.79% |
| Core deposits to total deposits | 77.87% |
| Brokered deposits to total deposits | 2.09% |
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 | 64.54% | 89.73% | $36.8M | $3.0M |
| Q4 2023 | 54.53% | 76.42% | $21.8M | $1.0M |
| Q1 2024 | 53.51% | 75.35% | $18.3M | $1.0M |
| Q2 2024 | 51.38% | 73.65% | $10.0M | $1.0M |
| Q3 2024 | 53.78% | 73.59% | $16.5M | $4.0M |
| Q4 2024 | 55.65% | 73.60% | $15.8M | $4.0M |
| Q1 2025 | 56.55% | 73.51% | $13.3M | $4.0M |
| Q2 2025 | 56.40% | 73.60% | $10.0M | $4.0M |
| Q3 2025 | 55.98% | 72.26% | $15.7M | $4.0M |
| Q4 2025 | 58.18% | 76.12% | $12.1M | $7.2M |
| Q1 2026 | 55.42% | 77.58% | $11.3M | $7.2M |
| Q2 2026 | 55.01% | 77.87% | $8.7M | $7.2M |
Lasalle State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Lasalle 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 Lasalle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12410) · FFIEC NIC profile (RSSD 956134)