Mutual 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.
The largest change between Q1 2026 and Q2 2026 was in Net loans and leases to deposits, which rose 0.70 percentage points to 77.63%. Mutual Savings Bank ranks 56th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 78.72% (Q2 2026). At 78.72%, Mutual Savings Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $111.0M |
| 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 | $0 |
| Other borrowed money | $42.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 11.90% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.72% |
| Net loans and leases to deposits | 77.63% |
| Loans and leases to core deposits | 86.73% |
| Core deposits to total deposits | 90.77% |
| 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 | 83.03% | 95.08% | $0 | $51.5M |
| Q4 2023 | 80.15% | 88.90% | $0 | $46.5M |
| Q1 2024 | 78.85% | 89.34% | $0 | $43.5M |
| Q2 2024 | 82.28% | 89.03% | $0 | $53.5M |
| Q3 2024 | 83.45% | 91.12% | $0 | $53.5M |
| Q4 2024 | 86.53% | 92.73% | $0 | $51.0M |
| Q1 2025 | 84.20% | 91.23% | $0 | $48.0M |
| Q2 2025 | 86.96% | 91.54% | $0 | $58.0M |
| Q3 2025 | 79.95% | 90.73% | $0 | $58.0M |
| Q4 2025 | 79.02% | 90.82% | $0 | $45.0M |
| Q1 2026 | 78.04% | 90.33% | $0 | $42.0M |
| Q2 2026 | 78.72% | 90.77% | $0 | $42.0M |
Mutual Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual 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 Mutual Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27742) · FFIEC NIC profile (RSSD 841472)