National Bank of St. Anne: 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 Loans and leases to core deposits: 5.74 percentage points higher than in Q1 2026, at 100.33%. Among 323 Illinois banks, National Bank of St. Anne sits 31st from the top on loan-to-deposit ratio, 96.21% as of Q2 2026. National Bank of St. Anne reported 96.21% on loan-to-deposit ratio for Q2 2026, 15.37 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 | $6.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.1M |
| 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 | $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 | 96.21% |
| Net loans and leases to deposits | 95.17% |
| Loans and leases to core deposits | 100.33% |
| Core deposits to total deposits | 95.89% |
| 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 | 95.26% | 96.51% | $8.0M | $7.5M |
| Q4 2023 | 93.46% | 96.03% | $7.3M | $8.2M |
| Q1 2024 | 88.33% | 97.05% | $3.1M | $2.9M |
| Q2 2024 | 93.63% | 97.86% | $300K | $9.2M |
| Q3 2024 | 92.18% | 97.42% | $0 | $6.8M |
| Q4 2024 | 86.53% | 96.53% | $0 | $800K |
| Q1 2025 | 87.80% | 95.88% | $0 | $0 |
| Q2 2025 | 91.29% | 97.96% | $0 | $2.2M |
| Q3 2025 | 94.67% | 97.80% | $0 | $2.5M |
| Q4 2025 | 92.90% | 95.47% | $0 | $0 |
| Q1 2026 | 90.97% | 96.17% | $0 | $0 |
| Q2 2026 | 96.21% | 95.89% | $0 | $0 |
National Bank of St. Anne liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of St. Anne, 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 National Bank of St. Anne profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16752) · FFIEC NIC profile (RSSD 760340)