Midwest 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 Loans and leases to core deposits: 9.45 percentage points higher than in Q1 2026, at 108.39%. Within Illinois, Midwest National Bank is 65th of 323 on loan-to-deposit ratio, 89.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Midwest National Bank sits 8.30 points higher, at 89.14% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.8M |
| 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 | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.14% |
| Net loans and leases to deposits | 88.14% |
| Loans and leases to core deposits | 108.39% |
| Core deposits to total deposits | 62.90% |
| Brokered deposits to total deposits | 19.33% |
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 | 93.53% | 89.59% | $109K | $8.5M |
| Q4 2023 | 89.92% | 88.45% | $128K | $8.5M |
| Q1 2024 | 89.76% | 88.43% | $147K | $8.5M |
| Q2 2024 | 92.14% | 88.31% | $186K | $8.5M |
| Q3 2024 | 90.48% | 85.17% | $175K | $8.5M |
| Q4 2024 | 93.45% | 84.32% | $146K | $8.5M |
| Q1 2025 | 91.27% | 84.17% | $116K | $7.4M |
| Q2 2025 | 93.18% | 82.04% | $135K | $7.4M |
| Q3 2025 | 90.98% | 82.98% | $125K | $5.5M |
| Q4 2025 | 87.08% | 77.81% | $95K | $3.7M |
| Q1 2026 | 86.41% | 68.41% | $0 | $3.0M |
| Q2 2026 | 89.14% | 62.90% | $0 | $5.0M |
Midwest National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest 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 Midwest National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3834) · FFIEC NIC profile (RSSD 122546)