Millennium 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.
Fed funds sold and reverse repos to assets climbed 7.24 percentage points in Q2 2026, from 0.00% to 7.24%. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, Millennium Bank sits 30th from the top on loan-to-deposit ratio, 96.30% as of Q2 2026. Millennium Bank reported 96.30% on loan-to-deposit ratio for Q2 2026, 15.46 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $149.6M |
| Cash and noninterest-bearing balances to assets | 10.47% |
| Cash and securities | $150.1M |
| Fed funds sold and reverse repos | $61.1M |
| Fed funds sold and reverse repos to assets | 7.24% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $60.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.30% |
| Net loans and leases to deposits | 94.82% |
| Loans and leases to core deposits | 113.54% |
| Core deposits to total deposits | 72.59% |
| Brokered deposits to total deposits | 12.23% |
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 | 84.58% | 83.25% | $0 | $0 |
| Q4 2023 | 79.74% | 82.37% | $0 | $0 |
| Q1 2024 | 83.10% | 83.70% | $0 | $0 |
| Q2 2024 | 84.93% | 83.96% | $0 | $0 |
| Q3 2024 | 102.20% | 85.15% | $0 | $75.0M |
| Q4 2024 | 93.28% | 84.84% | $0 | $50.0M |
| Q1 2025 | 92.62% | 82.88% | $0 | $43.5M |
| Q2 2025 | 95.21% | 79.77% | $0 | $85.0M |
| Q3 2025 | 89.57% | 77.25% | $0 | $33.0M |
| Q4 2025 | 98.02% | 76.28% | $0 | $54.0M |
| Q1 2026 | 99.65% | 72.39% | $0 | $70.0M |
| Q2 2026 | 96.30% | 72.59% | $0 | $60.0M |
Millennium Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Millennium 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 Millennium Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58348) · FFIEC NIC profile (RSSD 3547896)