Mutual Federal 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 Loan-to-deposit ratio: 6.46 percentage points lower than in Q1 2026, at 131.81%. As of Q2 2026, Mutual Federal Bank ranks first in Illinois on loan-to-deposit ratio among 323 banks, at 131.81%. Against a median of 67.62% for banks in the < $100M asset tier, Mutual Federal Bank reported 131.81% on loan-to-deposit ratio in Q2 2026, 64.19 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $10.4M |
| 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 | $16.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 131.81% |
| Net loans and leases to deposits | 129.80% |
| Loans and leases to core deposits | 147.15% |
| Core deposits to total deposits | 89.58% |
| 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 | 135.18% | 95.81% | $0 | $21.5M |
| Q4 2023 | 123.76% | 90.30% | $0 | $14.5M |
| Q1 2024 | 122.76% | 90.25% | $0 | $14.5M |
| Q2 2024 | 120.01% | 89.43% | $0 | $9.5M |
| Q3 2024 | 124.70% | 92.87% | $0 | $12.0M |
| Q4 2024 | 134.27% | 94.67% | $0 | $18.0M |
| Q1 2025 | 135.77% | 93.59% | $0 | $18.0M |
| Q2 2025 | 133.59% | 93.97% | $0 | $18.0M |
| Q3 2025 | 134.03% | 92.62% | $0 | $16.0M |
| Q4 2025 | 136.73% | 91.08% | $0 | $18.0M |
| Q1 2026 | 138.27% | 90.92% | $0 | $19.2M |
| Q2 2026 | 131.81% | 89.58% | $0 | $16.5M |
Mutual Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Federal 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 Mutual Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28302) · FFIEC NIC profile (RSSD 235174)