Libertyville 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.
Loans and leases to core deposits dropped 5.56 percentage points in Q2 2026, from 97.70% to 92.15%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Libertyville Bank & Trust Company, N.A. is 88th of 323 on loan-to-deposit ratio, 86.54% as of Q2 2026, above the middle of the field. At 86.54%, Libertyville Bank & Trust Company, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $141.3M |
| Cash and noninterest-bearing balances to assets | 4.23% |
| Cash and securities | $787.4M |
| Fed funds sold and reverse repos | $5K |
| 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 | $177.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.31% |
| Trading liabilities | $4.2M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.54% |
| Net loans and leases to deposits | 85.76% |
| Loans and leases to core deposits | 92.15% |
| Core deposits to total deposits | 80.64% |
| Brokered deposits to total deposits | 13.48% |
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 | 91.88% | 78.89% | $0 | $150.0M |
| Q4 2023 | 90.48% | 82.45% | $0 | $150.0M |
| Q1 2024 | 93.51% | 82.45% | $18.0M | $150.0M |
| Q2 2024 | 94.05% | 81.55% | $0 | $175.0M |
| Q3 2024 | 93.20% | 81.76% | $0 | $175.0M |
| Q4 2024 | 94.23% | 82.35% | $0 | $175.0M |
| Q1 2025 | 92.90% | 80.51% | $0 | $175.0M |
| Q2 2025 | 90.30% | 80.59% | $0 | $175.0M |
| Q3 2025 | 89.29% | 81.34% | $0 | $175.0M |
| Q4 2025 | 90.33% | 80.95% | $0 | $175.0M |
| Q1 2026 | 90.61% | 79.69% | $0 | $177.4M |
| Q2 2026 | 86.54% | 80.64% | $0 | $177.4M |
Libertyville 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 Libertyville 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 Libertyville Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34073) · FFIEC NIC profile (RSSD 2339795)