Midwest 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.
Cash and balances due from depository institutions climbed 315.3% in Q2 2026, from $7.9M to $32.7M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Midwest Bank is 157th of 323 on loan-to-deposit ratio, 75.78% as of Q2 2026. Midwest Bank reported 75.78% on loan-to-deposit ratio for Q2 2026, 4.77 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.7M |
| Cash and noninterest-bearing balances to assets | 4.45% |
| Cash and securities | $243.7M |
| 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 | $31.1M |
| Other borrowed money | $57.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.78% |
| Net loans and leases to deposits | 74.84% |
| Loans and leases to core deposits | 82.42% |
| Core deposits to total deposits | 85.33% |
| Brokered deposits to total deposits | 6.61% |
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 | 72.92% | 87.25% | $47.0M | $47.5M |
| Q4 2023 | 72.69% | 87.27% | $30.0M | $52.5M |
| Q1 2024 | 74.99% | 85.83% | $25.4M | $59.5M |
| Q2 2024 | 74.76% | 84.07% | $23.4M | $56.5M |
| Q3 2024 | 72.82% | 84.13% | $32.7M | $52.5M |
| Q4 2024 | 75.01% | 82.46% | $27.5M | $52.5M |
| Q1 2025 | 74.09% | 82.16% | $17.6M | $49.0M |
| Q2 2025 | 75.27% | 83.33% | $28.4M | $60.5M |
| Q3 2025 | 76.37% | 83.88% | $35.8M | $52.0M |
| Q4 2025 | 79.79% | 84.76% | $41.2M | $63.0M |
| Q1 2026 | 81.33% | 84.08% | $26.8M | $70.5M |
| Q2 2026 | 75.78% | 85.33% | $31.1M | $57.5M |
Midwest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest 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 Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3711) · FFIEC NIC profile (RSSD 709143)