The Lyndon 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.
The standout move of Q3 2026 was in Loans and leases to core deposits: 4.91 percentage points higher than in Q2 2026, at 126.35%. Among 182 Kansas banks, The Lyndon State Bank sits 4th from the top on loan-to-deposit ratio, 119.34% as of Q3 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Lyndon State Bank sits 38.40 points higher, at 119.34% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $11.3M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 1.66% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $21.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 119.34% |
| Net loans and leases to deposits | 118.36% |
| Loans and leases to core deposits | 126.35% |
| Core deposits to total deposits | 94.45% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 104.71% | 97.29% | $598K | $12.0M |
| Q1 2024 | 105.70% | 96.71% | $0 | $15.0M |
| Q2 2024 | 104.31% | 96.25% | $0 | $13.0M |
| Q3 2024 | 105.29% | 96.45% | $0 | $13.0M |
| Q4 2024 | 105.22% | 93.53% | $0 | $15.0M |
| Q1 2025 | 103.50% | 93.30% | $0 | $10.5M |
| Q2 2025 | 109.02% | 93.95% | $0 | $14.0M |
| Q3 2025 | 109.82% | 94.04% | $0 | $15.0M |
| Q4 2025 | 114.61% | 93.87% | $0 | $17.0M |
| Q1 2026 | 114.07% | 94.52% | $0 | $18.0M |
| Q2 2026 | 115.00% | 94.69% | $0 | $19.0M |
| Q3 2026 | 119.34% | 94.45% | $0 | $21.0M |
The Lyndon State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lyndon 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 The Lyndon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12135) · FFIEC NIC profile (RSSD 136655)