Morton Community 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 Other borrowed money: 44.2% lower than in Q1 2026, at $107.4M. Morton Community Bank ranks 167th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 74.98% (Q2 2026). Morton Community Bank reported 74.98% on loan-to-deposit ratio for Q2 2026, 13.22 points below 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 | $215.1M |
| Cash and noninterest-bearing balances to assets | 3.97% |
| Cash and securities | $1.63B |
| Fed funds sold and reverse repos | $2.7M |
| Fed funds sold and reverse repos to assets | 0.05% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $107.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.98% |
| Net loans and leases to deposits | 74.13% |
| Loans and leases to core deposits | 79.80% |
| Core deposits to total deposits | 84.57% |
| Brokered deposits to total deposits | 9.38% |
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 | 73.45% | 90.84% | $0 | $428.9M |
| Q4 2023 | 78.40% | 90.41% | $0 | $588.9M |
| Q1 2024 | 77.95% | 87.30% | $0 | $468.9M |
| Q2 2024 | 76.99% | 87.23% | $0 | $438.8M |
| Q3 2024 | 76.14% | 85.17% | $0 | $438.8M |
| Q4 2024 | 80.05% | 86.53% | $0 | $493.7M |
| Q1 2025 | 78.40% | 86.64% | $0 | $433.7M |
| Q2 2025 | 77.26% | 86.38% | $0 | $373.7M |
| Q3 2025 | 77.28% | 85.46% | $0 | $248.1M |
| Q4 2025 | 76.42% | 83.28% | $0 | $173.1M |
| Q1 2026 | 76.57% | 84.67% | $0 | $192.4M |
| Q2 2026 | 74.98% | 84.57% | $0 | $107.4M |
Morton Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Morton Community 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 Morton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18429) · FFIEC NIC profile (RSSD 825146)