Liberty 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 Core deposits to total deposits: 2.00 percentage points higher than in Q1 2026, at 93.79%. Within Illinois, Liberty Bank is 199th of 323 on loan-to-deposit ratio, 71.02% as of Q2 2026, below the middle of the field. Liberty Bank reported 71.02% on loan-to-deposit ratio for Q2 2026, 9.82 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 | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.0M |
| 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 | 71.02% |
| Net loans and leases to deposits | 70.46% |
| Loans and leases to core deposits | 75.72% |
| Core deposits to total deposits | 93.79% |
| 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 | 80.62% | 93.71% | $0 | $0 |
| Q4 2023 | 82.34% | 94.18% | $0 | $0 |
| Q1 2024 | 83.03% | 94.35% | $0 | $0 |
| Q2 2024 | 85.02% | 95.99% | $544K | $0 |
| Q3 2024 | 78.77% | 93.93% | $0 | $0 |
| Q4 2024 | 79.36% | 91.85% | $0 | $0 |
| Q1 2025 | 80.65% | 91.93% | $0 | $0 |
| Q2 2025 | 76.56% | 94.10% | $0 | $0 |
| Q3 2025 | 72.32% | 93.49% | $0 | $0 |
| Q4 2025 | 72.57% | 92.05% | $0 | $0 |
| Q1 2026 | 69.29% | 91.79% | $0 | $0 |
| Q2 2026 | 71.02% | 93.79% | $0 | $0 |
Liberty Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty 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 Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11719) · FFIEC NIC profile (RSSD 371942)