Main Street Bank Corp.: 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.
Fed funds purchased and repos dropped 34.5% in Q2 2026, from $8.4M to $5.5M. It was the largest change from Q1 2026 among the key lines here. Main Street Bank Corp. ranks 40th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 92.72% (Q2 2026). Main Street Bank Corp. reported 92.72% on loan-to-deposit ratio for Q2 2026, 4.52 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $212.4M |
| 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 | $5.5M |
| 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 | 92.72% |
| Net loans and leases to deposits | 91.73% |
| Loans and leases to core deposits | 105.50% |
| Core deposits to total deposits | 87.89% |
| 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 | 102.06% | 79.43% | $9.8M | $80.0M |
| Q4 2023 | 97.32% | 78.82% | $8.7M | $47.0M |
| Q1 2024 | 95.81% | 77.68% | $8.5M | $36.0M |
| Q2 2024 | 103.16% | 89.68% | $10.4M | $134.0M |
| Q3 2024 | 102.39% | 89.61% | $8.4M | $140.0M |
| Q4 2024 | 96.96% | 89.07% | $11.0M | $100.0M |
| Q1 2025 | 96.23% | 88.62% | $13.4M | $69.0M |
| Q2 2025 | 94.47% | 88.33% | $12.7M | $54.0M |
| Q3 2025 | 93.18% | 88.54% | $11.4M | $20.0M |
| Q4 2025 | 91.52% | 88.10% | $7.4M | $0 |
| Q1 2026 | 93.62% | 88.42% | $8.4M | $0 |
| Q2 2026 | 92.72% | 87.89% | $5.5M | $0 |
Main Street Bank Corp. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street Bank Corp., 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 Main Street Bank Corp. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29847) · FFIEC NIC profile (RSSD 985479)