Legence 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 Cash and balances due from depository institutions: 40.8% lower than in Q1 2026, at $20.3M. Legence Bank ranks 208th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 69.77% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Legence Bank sits 10.79 points lower, at 69.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $205.1M |
| 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 | $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 | 69.77% |
| Net loans and leases to deposits | 68.99% |
| Loans and leases to core deposits | 78.93% |
| Core deposits to total deposits | 88.38% |
| 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 | 71.32% | 92.62% | $2.4M | $11.2M |
| Q4 2023 | 71.22% | 90.03% | $3.5M | $8.8M |
| Q1 2024 | 75.06% | 91.28% | $3.2M | $15.3M |
| Q2 2024 | 76.56% | 89.51% | $3.0M | $9.9M |
| Q3 2024 | 77.15% | 89.10% | $2.8M | $5.7M |
| Q4 2024 | 74.52% | 89.94% | $0 | $0 |
| Q1 2025 | 71.15% | 89.25% | $0 | $0 |
| Q2 2025 | 72.63% | 88.11% | $0 | $0 |
| Q3 2025 | 71.05% | 87.77% | $250K | $0 |
| Q4 2025 | 74.81% | 89.19% | $0 | $9.4M |
| Q1 2026 | 71.09% | 89.24% | $0 | $0 |
| Q2 2026 | 69.77% | 88.38% | $0 | $0 |
Legence Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Legence 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 Legence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10886) · FFIEC NIC profile (RSSD 635840)