North Central 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 Fed funds sold and reverse repos: 32.4% higher than in Q1 2026, at $2.2M. North Central Bank ranks 247th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 59.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. North Central Bank sits 21.43 points lower, at 59.40% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.4M |
| Fed funds sold and reverse repos | $2.2M |
| Fed funds sold and reverse repos to assets | 1.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $500K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.40% |
| Net loans and leases to deposits | 58.53% |
| Loans and leases to core deposits | 65.36% |
| Core deposits to total deposits | 90.89% |
| 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 | 66.64% | 91.03% | $0 | $2.0M |
| Q4 2023 | 65.02% | 91.83% | $0 | $2.0M |
| Q1 2024 | 62.42% | 91.49% | $0 | $1.5M |
| Q2 2024 | 60.90% | 91.16% | $0 | $1.5M |
| Q3 2024 | 61.65% | 93.18% | $0 | $1.5M |
| Q4 2024 | 65.83% | 92.00% | $0 | $1.5M |
| Q1 2025 | 63.25% | 92.37% | $0 | $1.0M |
| Q2 2025 | 58.29% | 92.63% | $0 | $1.0M |
| Q3 2025 | 59.91% | 92.09% | $0 | $1.0M |
| Q4 2025 | 63.55% | 90.57% | $0 | $1.0M |
| Q1 2026 | 62.00% | 90.44% | $0 | $500K |
| Q2 2026 | 59.40% | 90.89% | $0 | $500K |
North Central Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock North Central 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 North Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17241) · FFIEC NIC profile (RSSD 565536)