The Litchfield National 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: 57.3% lower than in Q1 2026, at $3.0M. The Litchfield National Bank ranks 210th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 68.59% (Q2 2026). The Litchfield National Bank reported 68.59% on loan-to-deposit ratio for Q2 2026, 12.25 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 | $6.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.4M |
| 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 | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.59% |
| Net loans and leases to deposits | 67.87% |
| Loans and leases to core deposits | 78.46% |
| Core deposits to total deposits | 87.43% |
| 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 | 69.92% | 90.61% | $0 | $8.0M |
| Q4 2023 | 68.98% | 90.29% | $0 | $5.0M |
| Q1 2024 | 64.96% | 89.63% | $0 | $5.0M |
| Q2 2024 | 66.71% | 89.28% | $0 | $5.0M |
| Q3 2024 | 71.01% | 90.73% | $0 | $6.0M |
| Q4 2024 | 69.36% | 90.52% | $0 | $6.0M |
| Q1 2025 | 70.48% | 90.91% | $0 | $6.0M |
| Q2 2025 | 69.49% | 87.25% | $0 | $7.7M |
| Q3 2025 | 69.96% | 86.54% | $0 | $6.7M |
| Q4 2025 | 68.94% | 87.25% | $0 | $7.0M |
| Q1 2026 | 67.17% | 87.74% | $0 | $7.0M |
| Q2 2026 | 68.59% | 87.43% | $0 | $3.0M |
The Litchfield National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Litchfield National 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 The Litchfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3808) · FFIEC NIC profile (RSSD 372444)