Municipal Trust and Savings 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 33.7% in Q2 2026, from $42.6M to $57.0M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Municipal Trust and Savings Bank is 94th of 323 on loan-to-deposit ratio, 85.32% 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. Municipal Trust and Savings Bank sits 4.49 points higher, at 85.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $117.0M |
| 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 | $17.1M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.32% |
| Net loans and leases to deposits | 84.32% |
| Loans and leases to core deposits | 92.41% |
| Core deposits to total deposits | 92.33% |
| Brokered deposits to total deposits | 0.00% |
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 | 88.71% | 93.39% | $14.5M | $0 |
| Q4 2023 | 89.69% | 93.47% | $10.6M | $12.0M |
| Q1 2024 | 86.86% | 91.17% | $15.4M | $5.0M |
| Q2 2024 | 82.71% | 91.37% | $10.9M | $5.0M |
| Q3 2024 | 88.91% | 91.86% | $16.0M | $5.0M |
| Q4 2024 | 90.59% | 92.08% | $13.0M | $5.0M |
| Q1 2025 | 88.60% | 91.47% | $15.8M | $0 |
| Q2 2025 | 89.76% | 91.57% | $13.8M | $0 |
| Q3 2025 | 94.00% | 91.31% | $13.8M | $0 |
| Q4 2025 | 92.06% | 92.54% | $18.7M | $0 |
| Q1 2026 | 87.56% | 92.18% | $13.2M | $0 |
| Q2 2026 | 85.32% | 92.33% | $17.1M | $0 |
Municipal Trust and Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Municipal Trust and Savings 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 Municipal Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23546) · FFIEC NIC profile (RSSD 460332)