Milledgeville 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 Q2 2026 was in Cash and balances due from depository institutions: 18.2% higher than in Q1 2026, at $12.0M. Within Illinois, Milledgeville State Bank is 113th of 323 on loan-to-deposit ratio, 82.06% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Milledgeville State Bank reported 82.06% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.9M |
| 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 | $22.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.06% |
| Net loans and leases to deposits | 81.01% |
| Loans and leases to core deposits | 92.77% |
| Core deposits to total deposits | 64.35% |
| Brokered deposits to total deposits | 24.28% |
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 | 83.69% | 71.81% | $0 | $26.3M |
| Q4 2023 | 84.22% | 71.47% | $0 | $26.0M |
| Q1 2024 | 81.78% | 69.78% | $0 | $25.5M |
| Q2 2024 | 80.76% | 69.69% | $0 | $24.9M |
| Q3 2024 | 77.89% | 71.66% | $0 | $21.0M |
| Q4 2024 | 78.12% | 69.10% | $0 | $21.5M |
| Q1 2025 | 76.33% | 68.51% | $0 | $18.9M |
| Q2 2025 | 78.20% | 65.77% | $0 | $19.5M |
| Q3 2025 | 80.03% | 67.28% | $0 | $21.5M |
| Q4 2025 | 83.07% | 67.42% | $0 | $24.8M |
| Q1 2026 | 81.99% | 63.37% | $0 | $21.3M |
| Q2 2026 | 82.06% | 64.35% | $0 | $22.1M |
Milledgeville State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Milledgeville 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 Milledgeville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15873) · FFIEC NIC profile (RSSD 895448)